The Villages is a community designed for senior citizens. It offers ease and convenience for residents who need to get around town. Often, you don't even have to drive your car. You might just take your golf cart.
Whenever you drive your golf cart, you must ensure that it has appropriate insurance. Yet, how can you do so? Do golf carts need the same insurance as the standard car?
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The Prevalence Of Golf Carts In The Villages
Golf carts offer convenient ways for seniors to get around without driving a car. Around The Villages, you'll likely see a lot of them.
There are a lot of paths around The Villages that offer alternative routes for golf cart owners. These paths exist because golf carts don't tend to qualify as motor vehicles — meaning they generally can't travel on normal roadways. That said, some golf carts count as low speed vehicles.
Golf Cart Insurance Rules
Florida law does not require golf cart owners to insure their vehicles unless they qualify as low-speed motor vehicles. Low-speed vehicles can travel on certain standard roadways. Therefore, these carts will have different insurance and registration requirements.
To find out if your cart is a low-speed vehicle, check the Manufacturer's Certificate of Origin (MCO). It should contain the following language:
This vehicle conforms to Federal Regulations under Title 49 CFR Part 571.500
The vehicle might also have a Vehicle Identification Number (VIN) starting with the letters FLA.
If your golf cart is a low-speed vehicle, it will need Florida's required auto insurance. This is:
- $10,000 Property Damage Liability (PDL) insurance. This coverage will pay for damage you cause to someone else’s property, such as if you hit their car with your golf cart.
- $10,000 Personal Injury Protection (PIP) coverage. Regardless of who causes a golf cart accident, this coverage will help you pay for your injury costs.
Regardless, if the vehicle is a standard cart, or a low-speed vehicle, you may want other coverages. You can still get a golf cart insurance policy that will include valuable protection. Ask your Ahrens Insurance agent about:
- Bodily Injury Liability Coverage: If you cause an accident that injures someone else, this coverage can help pay their bills.
- Collision Coverage: After a wreck, this coverage can help you pay to repair your cart.
- Comprehensive Coverage: covers fire, theft, vandalism and damages to the cart other than collision.
- Uninsured/Underinsured Coverage: No one has a requirement to carry bodily injury insurance. Therefore, another driver who doesn't have liability coverage might hit you. Still, you won't have the luxury of using their liability policy to file your damage claim.
Uninsured/underinsured coverage can help you do so with your own policy.
- Medical Coverage: In the event you or your passengers get hurt in an accident, this coverage can help you with medical bills and related costs.
Our agents are happy to help you determine the appropriate insurance for your golf cart. We understand how to help you get the protection you need.
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