[John_W]

Originally Posted by Ohiogirl

Can you tell us who your carrier is? Villages Insurance is just an agency - for Homeowners' at least, they sell multiple lines...

We had our homeowner's insurance with Sheri Miller at Villages Insurance at Spanish Springs. It was only $506 a year for a masonry CYV with sink hole and wind damage coverage with a company called Intergrity. We called Sheri when we bought our cart in July. It's a 2011 Yamaha gas with all the upgrades and with $10,000 coverage she put us with Foremost for $130 a year. My car insurance is with USAA and they were actually higher.

[LaJolla]

I carry Auto Owners insurance on two vehicles that we have in the villages and there is a rider on our auto policies at no charge for our golf carts.

[784caroline]

Just got my renewal from the Villages Insurance Co. The underwritter is FOREMOST......Cost was $59.90.

[784caroline]

Originally Posted by CarGuys

USAA quoted us for $80 a year as a second vehicle and that was for a LSV or Golf Cart.

Now I am not getting a LSV so lets not get into a posting war but the Florida Agent for USAA was very nice to deal with.

************************************************** **********

When I got a quote from USAA their golf cart quote (<$100) was for use ONLY on a golf course or for travel to and from a golf course but not for use on public roads. If in fact you travelled on piublic raodways, they rated your golf cart or LSV as a second vechicle under an auto policy and VERY EXPENSIVE,

[CarGuys]

I'll double check Thanks

This was a year ago maybe accidents have increased their rates also.

h

[CatskillBill]

Last week I signed on with Allstate for my 2009 Yamaha gas for $96. That covers my wife and I, and anyone I give permission to use my cart. That policy covered renters too.

Bodily injury - $100,000, Liability - $300,000,
Property damage liability - $100,000, Medical - $5,000, Collision & Comp. - $100 deductible, and $1,000 for accessories like wheels, enclosure, radio, etc.

[Biker Dog]

Originally Posted by CatskillBill

Last week I signed on with Allstate for my 2009 Yamaha gas for $96. That covers my wife and I, and anyone I give permission to use my cart. That policy covered renters too.

Bodily injury - $100,000, Liability - $300,000,
Property damage liability - $100,000, Medical - $5,000, Collision & Comp. - $100 deductible, and $1,000 for accessories like wheels, enclosure, radio, etc.

We also have our carts insured with Allstate with the same coverages. Our Agent told us "Do not list the golf cart in the rental agreement or the cart will not be covered. Then they will be covered as permisable users and the insurance will cover them & the cart?

[goingtothevillages]

CAR GUYS - I too have USAA. I called USAA for golf cart insurance. Because my golf cart isn't street legal, they said I need to put it on my homeowners policy (I tried to use USAA for homeowners but they don't offer it in FL, but they have a relationship with ASI), so USAA tfr me to their ASI rep. ASI said I'm covered for everything under my homeowners, except physical damamge to the golf cart. If I want to get $5,000 personal property coverage (the max they offer), they have a $75/yr rider BUT that rider only provides 50k pers liability - and even though my auto, homeowners, etc. all provide for more coverage - if it happened on the golf cart they would only pay a max of $50,000.

Something doesn't sound right - who/how did you get your golf cart covered?

[Paul & Elaine]

I also was quoted around $190 from AAA then I checked with Allstate and got if for $100. Some get it cheaper than that if you also have your home and auto with them.

[mtdjed]

Originally Posted by ladydoc

We ordered a 2011 Yamaha gas cart yesterday and went to get insurance. We were quoted $193 without uninsured motorist and $250 with!! I always saw prices here are under $100. Where are you getting your insurance for so little? Thanks in advance for your help!

First you need to find out what uninsured motorist insurance covers. I was at the Village Insurance office today regarding this coverage re my cars. I was told that it covered medical costs to myself and riders if struck by someone not insured or underinsured. Well, if I am covered medically by medicare part a and B and a supplemental, why do I need this coverage?

It was also suggested that it protected your riders. Well for how much? $10k , $20k, $100k, $1m FOR SOMEONE other than you who is responsible.

Confused?

JED

[skyguy79]

Originally Posted by Paul & Elaine;***499

I also was quoted around $190 from AAA then I checked with Allstate and got if for $100. Some get it cheaper than that if you also have your home and auto with them.

I got results similar to yours between AAA and Allstate. We're paying about $10 less than you, but that might be because I had more discounts for multi-vehicles and other reasons. I think there were about 4 or 5 reasons listed. The discounts are probably why we get lower quotes from Allstate than we did with AAA or even with TVI. TVI quoted for Formost and that was nearly as high as it was at AAA for Progressive.

[bimmertl]

Originally Posted by mtdjed;***551

First you need to find out what uninsured motorist insurance covers. I was at the Village Insurance office today regarding this coverage re my cars. I was told that it covered medical costs to myself and riders if struck by someone not insured or underinsured. Well, if I am covered medically by medicare part a and B and a supplemental, why do I need this coverage?

It was also suggested that it protected your riders. Well for how much? $10k , $20k, $100k, $1m FOR SOMEONE other than you who is responsible.

Confused?

JED

This is a typical explanation of uninsured coverage (UM)from agency staff personnel, and as usual it's incorrect.

UM coverage reimburses you for damages you are legally entitled to collect from a liable party who is uninsured. While it will pay for medical costs you would be able to recover from a liable party who is insured, it also covers you for wages lost, past and future pain and suffering, disability and any other legally collectible costs associated with the accident.

Assume a loss of a hand in a serious accident. While the medical bills may not be extensive, the future disability is worth a substantial amount. UM coverage would allow recovery for such a loss. Underinsured coverage (UIM) would pay in excess of whatever coverage the insured liable party would have. So if he had 25K in coverage, the UIM coverage would kick in up to the policy limits of that coverage.

You need both UM and UIM despite the typical incorrect information usually provided by the local agents staff.

[vicaroo]

Most of the policies that were given for street legal golf carts are not valid.DMV is requiring PIP insurance on the policies to be able to renew tags.We know someone who was sent away at the tag office because the policy didn't have PIP.You will have to show an insurance card at the DMV office showing you have PIP coverage.We checked ours,we didn't have that coverage either.We now have a policy that has PIP.It is thru Allstate.

[downeaster]

Originally Posted by downeaster

Shop around. I have mine with American National Property and Casualty (bet not many have heard of it). I believe Allstate may be a good choice.

It may be the insurance companies are experiencing more than anticipated loses and prices are increasing.

I have switched to Allstate since posting the above reply, Very satisfied with Allstate.

[bimmertl]

Originally Posted by vicaroo;***599

Most of the policies that were given for street legal golf carts are not valid.DMV is requiring PIP insurance on the policies to be able to renew tags.We know someone who was sent away at the tag office because the policy didn't have PIP.You will have to show an insurance card at the DMV office showing you have PIP coverage.We checked ours,we didn't have that coverage either.We now have a policy that has PIP.It is thru Allstate.

Another classic example of the ineptitude of local insurance agencies.