If you use your golf cart extensively on the green or within your Woodstock, GA community, you may want to consider golf cart insurance. Golf cart insurance offers you liability, theft and property damage protection in the event of an accident. By consulting with an agent from Peter Laczko Insurance Inc. you can get a better idea if golf cart insurance would be beneficial for you.
Basic Coverage
If you do decide on golf cart insurance, basic coverage could include liability coverage for property damage and injuries, comprehensive coverage and collision insurance.
Liability insurance will pay for injuries and damages to others in an accident you cause. If you accidentally run into a pedestrian or bike rider while driving your cart in the community, your liability coverage will cover medical and property damage costs.
Collision coverage will help pay for damages to your golf cart if you collide into a car, tree, house, etc., so you don’t have to cover the whole expense out of pocket. If your cart’s stolen or suffers damage from inclement weather, your comprehensive coverage will help pay for the cost of replacement or repairs.
Are Golf Carts Covered Under Home or Auto Insurance?
For the most part, home and car insurance policies aren’t designed to cover golf cart usage. By reviewing your home and auto policies with your agent, you can see what these policies have to offer in regards to protecting your cart. If these policies offer little or no protection, you have several options. You can obtain an endorsement on your home or auto policy to cover your golf cart or you can purchase a separate insurance policy to protect this item.
To learn more about the benefits of golf cart insurance, coverage options and cost, contact Peter Laczko Insurance Inc. in Woodstock, GA.
