Think again if you play golf and are satisfied with your homeowner’s insurance. Going out on the golf courses and hiking trails may not be covered by your homeowner’s insurance. In fact, you require a golf cart-specific insurance policy.
When you purchase the right insurance policy, the coverage differs significantly. To get from the dining room to the bedroom or the kitchen to the patio, you won’t be using your golf cart inside your house. Particularly when you are on wheels, you need to be adequately protected. Some prominent instances when your homeowner’s insurance fails to protect you are
• You meet an accident while riding cart and incur medical expenses
• Your cart slides from the trailer while driving on road
• Golf cart stolen
• Your driving cart injures someone
To address these worries and, of course, provide you with peace of mind, you can apply for a cart insurance policy.
What Do You Expect – Be Rational Yet A Lot More Is Available Than You Expect
It is true that the ideal insurance policy for your cart is made to meet all of your protection needs, but it also offers much more. By including riders to the policy, insurance service providers also offer extended protection on the vehicle’s components, such as the stereo and headlights. Some prominent coverage types available are
• Comprehensive Insurance Coverage – Under this kind of insurance, your golf cart is typically shielded from all kinds of non-collision damage. Loss resulting from a fire or theft is covered by this coverage. Insurance companies provide thorough coverage based on the cart’s overall cost, the year it was manufactured, and numerous other cost-determining factors.
• Collision insurance coverage protects you in the event of a loss brought on by a collision, as the name implies. This coverage is beneficial, particularly when you run into another cart or any other object.
• Bodily Injury Liability Coverage – This kind of insurance helps pay for losses brought on by a person’s bodily injury. When you have bodily injury liability insurance coverage, you cannot pay the person’s medical bills out of your own pocket.
• Property Damage Liability Coverage – When you are liable for paying for an accident-related loss, this kind of insurance protects you. Damages to vehicles, homes, or other people’s property are covered by the insurance.
Some Questions You Must Ask Your Insurance Agent Before Signing Policy
You should carefully consider your options when purchasing insurance coverage for golf carts. So, before you sign anything, make sure you ask your insurance agent the following questions and receive satisfactory answers.
• What level of liability and medical coverage is ideal for you?
• How much can you afford to lose in the event of a theft or accident?
• What special offers are there for you?
• What is the typical process for submitting a claim?
• What time frame is necessary for a claim to be settled?
• What extras or riders are available to me to improve the coverage?