Choosing a Golf Cart Insurance Agent Near You
Can you find a golf cart insurance agent near me, or is it just a dream? Many individuals often inquire as to what do you mean by insurance? To put it simply, “Insurance” is the act of covering assets against loss. In other words, insurance is an agreement between you and a third-party to mutually agree on the level of protection that is needed.
What do you mean by insurance? When you purchase a golf cart, you are buying two items: the golf cart itself (and the person(s) who will operate the cart) and a policy or contract. This policy or contract will specify exactly what is covered and what is not covered. In turn, that covers (what is NOT covered) by the insurance policy and/or contract. Now, there are many different types of policies/contracts, including (but not limited to) personal injury protection, collision protection, glass coverage, uninsured and underinsured motorists protection, personal property coverage, and roadside assistance.
What about collision and uninsured motorists? This refers to the collision protection offered. If your cart is involved in a collision or accident, this insurance protects you from being personally liable for other party’s damages. Usually, this type of golf coverage is offered at a minimal rate and offers peace of mind. However, you should keep in mind that many insurance companies only offer collision and uninsured motorists coverage as a riders to standard auto policies.
How about glass coverage? In addition to protecting yourself from being financially responsible for someone else’s (and possibly their own) property damage, glass coverage also protects you from injuring another. This may sound like an extreme way to protect your self-esteem, but if you get hit by a golf ball while on the course, glass coverage can often pay for itself within a few hours or a day. As a result, this type of insurance coverage policy is not expensive at all. However, it’s important to note that most policies require you to have the proper endorsements (i.e., car, endorsement) in order to have this specific coverage.
What about the other types of policies/contracts? This would include (but is not limited to) medical payments, legal expenses, and various coverage policies, such as (but is not limited to): repair and replacement, personal property coverage, rental reimbursement coverage, and golf cart repair coverage. Medical payments coverage policy will pay for medical bills incurred by you or one of your passengers during a golfing event. Legal expenses will cover any court costs or fees incurred. Rental reimbursement coverage will allow you to be reimbursed for monthly rental fees paid to you or one of your passengers. These policies are not usually required, but are worth considering.
Other insurance policies, such as the rental reimbursement coverage, will also cover you if your golf cart is damaged or stolen, damaged through a storm, or completely destroyed by fire. This type of coverage policy is usually only needed if you are using your personal vehicle for golfing purposes. However, if you use a company vehicle for business purposes, this type of coverage policy could be worth the small investment.
If you’re not sure whether you need this type of coverage policy, ask several different golfers near you. Ask them how they feel about this coverage policy being necessary, or whether they think it is a waste of money. Also, check with your local, county, or state’s Department of Insurance. This department will keep you updated on any changes in coverage policies, and is a good resource for information.
When comparing prices, you should first consider the golf course where you play the most. If there is a particularly extreme weather pattern near your course, you may be better off with a policy that covers multiple events. However, keep in mind that there may be a higher premium because of the higher risk of damage or theft. You can pay more, however, if you know that your golfing equipment is at risk in an extreme condition.