We insure our golf cart (2011 Yamaha) with the same coverages we have on our cars:
Liability 250/500/100
Med pay 5k
Physical damage deductible 250
Unins. motorist 250/500
$167.41 per year through State Farm
These levels of coverage were necessary to also have it covered by our Umbrella policy as well.
This might be viewed as over-doing it by some. But to me, the level of exposure is no different than driving a car so why insure a golf cart any differently?
Having the coverage does help us sleep better at night. JMHO.
Bill
