Insurance Guide

Protecting Your Ride: The Real Deal on Golf Cart Insurance

Let's talk about keeping your ride (and wallet) protected. Over 150,000 golf cart accidents hit the ER in just ten years – that's no joke. Whether you're cruising to the course or making a quick run to the store, you need to know what insurance has your back.

The Bottom Line Upfront

  • Need to cover damage you might cause? That's what liability insurance is for

  • Want to protect your sweet ride? You'll need comprehensive and collision

  • Got custom upgrades? There's coverage for that too

Coverage Breakdown: What You're Getting

Liability Coverage (The Must-Have)

  • Bodily Injury: Covers medical bills if someone gets hurt

  • Property Damage: Takes care of anything you accidentally crash into. Trust us, this one's crucial – many states require it, and for good reason.

Protecting Your Cart (The Smart Move)

  • Collision: Got in a fender bender? This covers repairs or replacement, no matter who's at fault

  • Comprehensive: Handles everything else: theft, vandalism, weather damage, or that deer that came out of nowhere

  • Uninsured Motorist: When the other guy doesn't have insurance (yeah, it happens)

The Cool Extras

  • Accessory Coverage: All those sweet upgrades you've added? Protected.

    • Progressive starts you at $3,000 coverage

    • Can bump it up to $30,000 if you're rolling with some serious mods

The Fine Print You Need to Know

Will Your Car Insurance Cover Your Cart? Nope! Your regular car insurance won't touch this. Golf carts are their own beast – they need their own coverage.

What About Homeowners Insurance?

  • On your property? You might be covered

  • Off your property? You're probably out of luck

  • Want to ride on public roads? You definitely need separate golf cart insurance

State-by-State: Know Your Requirements

Just like our driving laws vary by state, so do insurance requirements. But here's the real talk: even if your state doesn't require insurance, getting liability coverage is just smart business. One accident without coverage could cost you big time.

The Outlaw Golf Carts Bottom Line

Whether you're using your cart for quick neighborhood runs or full-on daily transportation, proper insurance keeps you riding worry-free. Don't cheap out on coverage – protect your investment and keep yourself out of trouble.

Need help figuring out the right coverage for your ride? The Outlaw crew's got your back. We'll help you get the protection you need without breaking the bank.

Remember: Ride hard, ride smart, ride insured.

Learn more from Progressive below!