If you or a loved one has suffered injury in a golf cart accident or golf cart crash, please contact us for a free golf cart accident consultation regarding your legal rights. We have experience litigating and trying cases regarding golf cart crashes and golf cart accidents. We can help.
HOW TO INSURE YOUR GOLF CART? Insuring a golf cart is easy, but it depends on what type of vehicle you are driving. Whether your golf cart needs to be registered and insured like a motor vehicle depends on if it is a golf cart, GEM cart or Low Speed Vehicle. Generally GEM carts, Low Speed Vehicles (LSVs) and so called “street legal” golf carts (any vehicle that goes 20-25 mph. FMVSS 571.500) must be registered and insured like an automobile. If you have a GEM cart, Low Speed Vehicle (LSV), or so called “street legal” golf cart, there are 4 things you need to do to insure your vehicle properly. 1. First, , find an insurance agent or company that writes full coverage insurance on golf carts. Full coverage insurance, in addition to property damage coverages for the golf cart, means Bodily Injury Liability coverage and Uninsured Motorist/Underinsured Motorist coverage, as well as PIP/No-Fault insurance and Medical Payments insurance coverage. 2. Next have your vehicle registered with the Department of Motor Vehicles. 3. Have your insurance agent specifically list your vehicle (GEM cart, LSV or “street legal” golf cart) on the policy Declarations Page. 4. Buy Bodily Injury Liability insurance coverage, Uninsured Motorist coverage, PIP/No-Fault and Medical Payments coverage. Remember to buy enough coverage to protect you and your assets in the event of a crash. Insure your golf cart by: 1. Finding an insurance agent or company that writes full coverage insurance on golf carts. In our experience USAA and Foremost Insurance do so. 2. Have your agent or the insurance company specifically list your golf cart on the policy. 3. Purchase Bodily Injury Liability, Uninsured Motorist and Medical Payments coverage. It is a good practice to buy enough coverage to protect you and your assets in the event of a crash. Remember to practice the Babiarz Golden Rule of Insurance -- “Insure for yourself as you would have others insure for you!”
Usually insurance camopnies will not let you start a policy until you actually own the vehicle. But you can still call or talk to an agent to get a quote and then once you are actually purchasing the vehicle, you can call them and start the policy. Since you are buying a car for the first time and insurance as well, I would recommend you go to a local insurance agent and sit down with them and talk with them about the various coverages and whatnot as many camopnies that you call over the phone will try to sell you the cheapest insurance which does not provide good protection in the event of an accident. Also, check several different camopnies for quotes and make sure you get a quote with the same coverages so as to see who can offer you the best rate.
Those are excellent points you raise! i am always a fan of buying the most coverage you can afford to protect you in the event of a mishap. good comments!
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