DOES HOMEOWNERS INSURANCE COVER A GOLF CART?

In Florida homeowner’s insurance usually does not cover a golf cart. However, some homeowner policies do cover golf carts. It depends upon what the insurance policy says. When a person obtains homeowner’s insurance they enter into a contract between the homeowner and the insurance company. The rights and responsibilities of the homeowner and the insurance company are contained within language of the insurance policy.  Whether a golf cart is covered under homeowner’s insurance may depend on 1. where the golf cart is used, 2. what it is used for, and 3. who is using it. Some policies only cover the golf cart when it is on the homeowner’s property—which for most situations is not very helpful in the event of an injury.

You should check with a golf cart attorney for representation in such a case. The attorneys at www.GolfCartAttorney.com can check the policy and determine whether the homeowner’s policy covers the golf cart, especially when there have been injuries.

DOES AUTO INSURANCE COVER GOLF CARTS IN INJURY CASES?

The same is true for automobile insurance as for homeowners’ insurance. Whether a golf cart is covered under automobile insurance depends upon the language in that insurance policy. Some insurance companies will claim that a golf cart is not a vehicle and cannot be driven on public roads. At www.GolfCartAttorney.com we have seen this claimed on multiple occasions by auto insurance companies.  Whether an auto insurance policy applies to a golf cart can be the difference between having insurance that covers a personal injury golf cart accident case and having nothing. Insurance companies in Florida typically do not change their denial decision unless the injured claimant retains an attorney or the golf cart owner does. There is no real penalty for an insurer to deny coverage now. Before the Florida legislature changed the law in March 2023 with house bill 837 (“HB-837”) a person who had to sue their own insurance company to undertake coverage or pay a claim that was due, the insurer had to pay the insured person’s attorney’s fees. Not any longer. Insurance companies can pretty well deny coverage with impunity and wait until the insured person files suit to do anything. This is another reason to hire an experienced golf cart injury attorney that specializes in golf cart injuries and coverage cases to know your rights. A law firm like www.GolfCartAttorney.com fights coverage denials in golf cart injury cases.

WHAT IS THE BEST WAY TO INSURE A GOLF CART?

The best way in Florida to insure a golf cart is to have the golf cart specifically listed as an additional vehicle on your automobile policy. Make sure where the golf cart can travel to be covered if an accident occurs. Another good way to know that a golf cart is covered is to have the golf cart on its own stand-alone policy just for the golf cart. Careful on who are the listed drivers because that may be a condition of coverage if you ever need to make a claim. Make sure you get a sufficient amount of liability insurance in case your golf cart is involved in an injury accident. Equally as important, make sure you have uninsured motorists’ coverage on your golf cart. Uninsured motorists’ coverage covers you for medical bills, lost wages if any, and for your injuries when another driver has no insurance or only the bare minimum insurance. At www.GolfCartAttorney.com we witness that the instances in Florida where an at-fault driver has no insurance or only minimal insurance is frequent. Protect yourself from when the other driver has no insurance.