We've asked an attorney to address golf cart insurance. A must read

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Old 06-11-2011, 03:39 PM
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bogeybabe bogeybabe is offline
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I would like to know who to contact for golf cart insurance. Any ideas or references would be appreciated.
thank you
Old 06-11-2011, 04:33 PM
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Call The Villages Insurance office. Got mine through them (ASI) and am satisfied with it.
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Old 06-11-2011, 08:06 PM
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Folks there are so many different scenarios referenced in this thread it would be impossible to respond with any clarity. When it comes to insurance question the policy dictates what will occur in conjunction with the state laws. For insurance some variables include the person's status as an insured, or if there is a specific or general exclusion. also the underwriting rules or risks an insurer will agree to retain. For example many Homeowners policies exclude golf carts under their policies or will add an endorsement for additional premium.

I have separate coverage (golf cart coverage which includes Collison, comp Liability UMC/UNI PIP, etc the limits fit with my Unbrella Coverage

I would suggest that you speak with your agent to be sure you understand your coverages and their benefits and limits.

As to cart sharing. I hve been here for 5 years and ir has been a common practice,at excutive courses to have the starters ask that people double up.
In the beginning they would not allow more thn two carts on at a time. Lately they have allowed three carts. To be perfectly honest with you I never gave the insurance issue much thought all though it had occurred to me periodically. However, I dismissed it because I had met some very interesting people that way.
Old 05-08-2012, 11:31 PM
justjim justjim is offline
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Question Golf Cart Insurance

At $75.00 a year why wouldn't everybody carry insurance on their golf cart. Accidents happen---fact of life.
Old 05-08-2012, 11:44 PM
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Barefoot Barefoot is offline
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Originally Posted by justjim View Post
At $75.00 a year why wouldn't everybody carry insurance on their golf cart. Accidents happen---fact of life.
I would think that everyone does have golf cart insurance and home insurance and auto insurance.
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Old 05-09-2012, 09:24 AM
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I was told it's covered under the HO by request no charge
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Old 05-09-2012, 09:35 AM
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Originally Posted by jimbo2012 View Post
I was told it's covered under the HO by request no charge
Better follow-up on that with the specific company you're looking at for the coverage, just to be sure. That kind of coverage differs by company. And make sure they're able to document what coverage they're providing you on the cart.

We've insured our cart with the same coverages we have on our cars. That way State Farm will include the cart under our Umbrella Policy.

Old 05-09-2012, 10:08 AM
bimmertl bimmertl is offline
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Originally Posted by jimbo2012 View Post
I was told it's covered under the HO by request no charge
True, however, the basic homeowners coverage for a golf cart is typically limited to while the golf cart is used for golfing purposes. It's not going to provide coverage, from the basic HO policy, for the typical use seen in TV without an endorsement or a separate policy on the cart.
Old 05-09-2012, 11:06 AM
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Default golf cart insurance

Thank you that was an excellent review of golf and auto insurance coverage.
Old 09-11-2012, 09:20 PM
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Default Liability issues

I am still confused on the liability of letting a renter use your golf cart. I have been told by 4 different insurance companies that if a renter has an accident in my golf cart and hurts someone else that the liability coverage would not apply, therefore opening you up for a lawsuit from the injured person(not the renter). Anyone have any suggestions on insurance companies that cover liability for parties outside of the cart.
Old 11-15-2012, 02:00 PM
normanne normanne is offline
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Default Golf cart insurance

I have just been told by my auto insurance agent at Allstate, that unless I hold a Florida Drivers license, I cannot get coverage when driving my golf cart.
As a non resident, the department that issues driver licenses says I can drive an auto on my UK license during the 3 month period when here.
Do all insurance companies apply the same rule I wonder? There are many Brits here on holiday driving a rented or loaned golf cart, who do not hold a Florida drivers license. Should we be concerned?

Originally Posted by Talk Host View Post
We have asked attorney Tim Babiarz who practices Personal Injury and Insurance Law in The Villages and the Tri-County area to address golf cart insurance.



In order to understand the basics of insurance coverage for golf carts, it is important first to understand the basics of automobile insurance coverages in Florida. First and foremost, forget what you know about automobile insurance in New York, Michigan, or whatever state from which you retired. If you are a Florida resident with a car registered in Florida, then Florida law applies.

In Florida, the law only requires PIP or No-Fault coverage. Many drivers in Florida take this as an invitation by the State of Florida to drive with minimal or no coverage on their vehicles. It is estimated that approximately 30% to 40% of all Floridians do not have any automobile insurance at all, or have no bodily injury liability coverage to protect you in the event they hit you. The Insurance Research Counsel reports that 23% of Florida drivers carried no automobile insurance as of 2007 and that the number could increase to 28% by 2010. The number becomes higher when considering the number of drivers without bodily injury liability coverage.


Insurance agents typically sell automobile insurance coverage to help one purchase what the law requires and to help protect their assets. The conscientious insurance agent also sells additional coverage to the insured to protect the insured for their own injuries in the event of a crash.

A. PIP/No Fault Insurance

In the State of Florida, the Personal Injury Protection Insurance law, also known as No-Fault Insurance, requires that owners of motor vehicles registered in Florida purchase Personal Injury Protection (PIP) which includes property damage liability coverage. PIP coverage generally protects you, resident relatives, and persons operating or occupying the motor vehicle for injuries incurred as a result of an automobile crash. It can also apply if you are struck by a motor vehicle while you are a pedestrian. PIP coverage typically pays 80% of your medical expenses, and 60% of your lost wages, and other non-medical expenses up to $10,000.00. Property damage liability of $10,000, also required by Floridas PIP law, generally covers damage to the other vehicle if you, the insured, are negligent in an automobile crash. As such, it is recommended that you have adequate coverage on your own policy to protect your interests and those of your loved ones.

B. Bodily Injury Liability

Bodily Injury Liability (BI) coverage generally provides that the insurance company will pay damages for which an insured becomes legally required to pay as a result of personal injury to another from a crash resulting from the ownership, maintenance, or use of the insured motor vehicle. Because of the proliferation of litigation and the potential of a judgment collectible against your assets, it is strongly recommended that you purchase Bodily Injury Liability (BI) coverage to protect you if you, or the operator of your vehicle, are negligent in a crash.

C. Uninsured/Underinsured Motorist Coverages

In all too many traffic crashes in Florida, the at-fault party has no Bodily Injury Liability coverage available, or worse, no insurance whatsoever. Because many negligent drivers fail to insure themselves or inadequately insure themselves, it is strongly recommended that you purchase Uninsured/Underinsured Motorist (UM) coverage which protects you and your resident relatives if you are in a crash and the at-fault party has no Bodily Injury Liability coverage or inadequate liability insurance coverage. Due to the minimal requirement for insurance in Florida -- where the law only requires $10,000 in Personal Injury Protection coverage -- it is critical to protect yourself in case you are involved in a crash that is not your fault. If you have further questions regarding your insurance coverage, we advise you to contact your insurance company and/or your insurance agent to make sure you have adequate liability and uninsured/underinsured motorist coverage.

D. Other Coverages

Other coverages that are typically part of automobile coverage include Collision and Comprehensive coverages for your automobile. Collision coverage is a no-fault coverage that pays for damage or destruction to your automobile in the event of a crash. Collision coverage is no-fault which means that it will cover the damage to your vehicle regardless of who is at fault in a crash. Comprehensive coverage generally covers property damage or the total loss to your vehicle except where caused by a collision. Events which might trigger this comprehensive coverage include fire, hurricane, tornado, theft, flooding or windstorm damage.

Rental coverage and emergency roadside assistance coverages are also sometimes part of automobile insurance. These coverages are usually supplemental in nature, and can provide added protection. Finally, Medical Payments insurance (Med Pay) generally covers you or a resident relative who is injured and incurs medical bills as a result of a motor vehicle crash. Medical payments coverage is also a no-fault coverage which applies regardless of who is responsible for the crash.


Now, is everyone ready for a pop quiz on automobile insurance coverages? Just kidding . . . but now you are ready to wade into the sometimes murky waters of golf cart coverage. To understand golf cart insurance, you have to begin with Floridas laws regarding golf carts. Initially, a golf cart is a motor vehicle for some purposes, and is not a motor vehicle for other purposes. Murky, right?

To clear up the confusion, for purposes of Floridas PIP statute, a golf cart is not a motor vehicle because it is generally not required to be licensed for use on the highways of this state. Practically, this means that in most cases, although not all, your golf cart generally will not be covered for crashes under your traditional automobile coverage or Floridas PIP coverages. Because the PIP statutes coverage of $10,000 is not available for injuries suffered arising out of the use of a golf cart, there is a gap in insurance coverage for the medical expenses of persons injured while using a golf cart. For this reason, it is recommended that you purchase medical payments coverage for your golf cart, if available.

Next, under Floridas motor vehicle law, a golf cart is a dangerous instrumentality. The owner of a golf cart, because it is a dangerous instrumentality, is responsible for the damages caused by anyone using it with the owners permission. Accordingly, it is critical to purchase liability coverage in case property damage or bodily injury results from a golf cart incident, regardless of who is using it if you are the owner, or if you will be using a golf cart on a regular basis. The unfortunate reality is that owners of automobiles and golf carts are almost always named as defendants in lawsuits to answer for damages -- even if they were not driving or present at the time of the crash.

If 30 to 40% of automobiles have no bodily injury liability coverage, close your eyes and imagine what percentage of golf carts are not insured. Because of the significant number of golf carts and automobiles that have little or no insurance, it is again recommended that you purchase uninsured/underinsured motorist coverage. Practice the golden rule of insurance -- insure for yourself as you would have others insure for you.

Most insurance companies cover golf carts as a component or rider under a homeowners insurance policy, or under an automobile insurance policy, or under a separate recreational motor vehicle policy. It is crucial to read your homeowners insurance policy to determine exactly what coverages are provided for your golf cart. Many of these policies cover only property damage liability which means that if you are involved in a crash, you are unprotected. When purchasing golf cart coverage, always ask your insurance agent specifically to list your golf cart as an insured item under your policy. Additionally, request adequate bodily injury liability, uninsured/underinsured motorist, and medical payments coverage. How much coverage to purchase varies from person to person. However, the general rule should be to purchase enough coverage to protect you and your assets in the event of a crash.

In sum, you are the person in the best position to purchase adequate coverage before something bad happens. You and your family are the most important people you know, so protect yourself and your family. As a practical matter, uninsured/underinsured motorist coverage is utilized very often to pay medical bills, lost wages, and to compensate for pain and aggravation. Finally, purchase medical payments coverage in at least $10,000 where available to protect you in your golf cart. Be safe and happy motoring!

Disclaimer This article is a general analysis of the current law and is not meant to provide legal advice. For specific legal issues applied to a given set of facts, always contact competent legal counsel.
The author Tim Babiarz practices Personal Injury and Insurance Law in The Villages and the Tri-County area. He can be reached at 352-205-7599 or by e-mail at tim@babiarzlawfirm.com and at Personal Injury Lawyer The Villages, Florida | Tim Babiarz Law Firm, PA.
Old 12-03-2013, 11:11 PM
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Originally Posted by bogeybabe View Post
I would like to know who to contact for golf cart insurance. Any ideas or references would be appreciated.
thank you
Contact Allstate, 259-3825, Kevin McDonald agency. Ask for Stephanie
Old 12-03-2013, 11:26 PM
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You have to own the cart to buy insurance.
Old 12-04-2013, 09:14 AM
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I regards to uninsured auto drivers, how do they renew their car registration without proof of insurance?
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Old 12-04-2013, 09:40 AM
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Originally Posted by mrsanborn View Post
I regards to uninsured auto drivers, how do they renew their car registration without proof of insurance?
When it is time for renewal they go out and put a deposit down on a new policy and arrange for mthly or qtrly payment schedule, get a copy of the ins binder, go to inspection and never make another ins payment until the next registration renewal. At least that's the Jersey way!
Not sure if I have free time...or if I just forgot everything I was supposed to do!

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