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What Are The Requirements for Florida Golf Cart Insurance?

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Golf carts have become a prevalent mode of transportation in Florida, particularly in retirement communities and beach towns. They offer an alternative to larger vehicles and are often more affordable than traditional cars. Plus, they’re fun to drive!

With their convenience, affordability, and fun factor, it’s no wonder why golf carts are so popular with residents and visitors alike. However, it’s important to remember that golf carts are still considered motor vehicles and must be insured. So what is golf cart insurance in Florida, and what are its top requirements? 

How Florida Law Defines Golf Cart

The Florida Department of Highway Safety and Motor Vehicles states that a golf cart is any motor vehicle constructed and produced for operation on a golf course for sporting or competitive purposes and cannot exceed 20 miles per hour. Of course, one should distinguish golf carts from low-speed vehicles (LSV) because they can travel faster than 20 mph.

Furthermore, the rules that apply to LSVs are quite different from golf carts. For instance, LSVs can be driven on public roads, but golf carts are not. You must have a legitimate driver’s license to drive an LSV, but not a golf cart.

The Rules for Operating a Golf Cart in Florida

Good news because golf carts don’t need to be titled or registered in Florida. You don’t need to purchase a license plate to drive one. However, there are certain rules that you must follow when operating a golf cart in Florida. 

First, you must be at least 14 years old and have a valid driver’s license to operate a golf cart on public roads. Second, you must obey the same traffic laws that apply to other motor vehicles. This includes driving at a safe speed, stopping at stop signs and red lights, and yielding to pedestrians and other vehicles.

Lastly, you must ensure that your golf cart has proper safety features, such as headlights, taillights, and horns. You must also ensure that your golf cart is in good working condition. 

Should You Still Get Golf Cart Insurance in Florida?

Golf cart insurance is not a requirement in Florida since golf carts are not considered motor vehicles. However, getting insurance for your golf cart to protect yourself and your property is still a good idea. This insurance policy covers damages caused to you, your golf cart, or other people’s property in the event of an accident. It can also provide financial protection against theft, vandalism, and other potential liabilities.

Which Insurance Coverage Applies to Golf Carts?

You can opt for a homeowners insurance policy to cover your golf cart, but the coverage will likely be limited. Generally, homeowners insurance policies provide liability coverage for bodily injury and property damage caused by the golf cart owner. You may also be able to purchase additional coverage for physical damage to your golf cart.

A specialized golf cart insurance policy may be the best option for comprehensive coverage. These policies are designed to provide coverage for liability, physical damage, and additional riders, such as roadside assistance and rental reimbursement. 

Final Thoughts

Florida’s golf cart insurance is an important and necessary insurance policy for golf cart owners. It provides coverage for various situations, including damage to the cart, medical bills for any injury, and liability for any damage caused by the cart’s operation. With the right coverage and preparation, you can enjoy a stress-free ride on your golf cart and have peace of mind that you’re covered in the event of an accident.

Florida Manufactured Home Insurance Agency provides affordable and comprehensive golf cart insurance in Florida to aid in protecting your golf cart and its passengers. Our policies provide coverage for physical damage, liability, and additional riders. Get a free quote from us today!

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