Quote:
Originally Posted by Barefoot
I've been reading over the Golf Cart Insurance threads. My renewal from Allstate just arrived. Similar to Villages07's husband, my premium has increased from $70 to $117. I got a quote from the Broker who provides our house insurance. Foremost offers identical coverage, for a premium of $66.
The Broker is asking whether I want to add uninsured/underinsured motorist coverage for an additional $35. That coverage was not suggested to me by Allstate. Do I need it?
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We had never thought of getting that coverage on our golf carts until we were hit by a car, suffered minor injuries and the cart was demolished. Luckily the other driver had insurance but our lawyer strongly recommended that we get the extra coverage.
If you are in an accident with another driver and they are not insured then everything falls back onto you. If your insurance covers it then I would suspect you may see a rate increase down the road because you did not have the extra coverage.