When insuring a golf cart, it’s important to choose the right coverage. Your needs may depend on where you live, how you use the cart, and your state’s legal requirements. Some areas require golf cart insurance if you drive on public roads, while others do not. Even if it’s not mandatory, having insurance adds valuable protection.

Here are several coverages to consider when insuring a golf cart:

Liability Insurance

Liability insurance is one of the most important coverages. It protects you if you cause harm to another person or damage someone else’s property while driving your golf cart. For example, if you accidentally run into a parked car or injure a pedestrian, this coverage can help. It may pay for medical bills, repairs, and legal defense if someone sues you. Without liability insurance, you could be personally responsible for those costs.

Physical Damage Coverage

This type of coverage helps repair or replace your golf cart if it’s damaged or stolen. It typically includes two parts:

• Comprehensive coverage handles non-collision incidents. This includes fire, theft, vandalism, falling objects, or storm damage.

• Collision coverage kicks in if you hit another vehicle, a fence, a tree, or another object.

If you rely on your golf cart regularly or it holds high value, this coverage is essential. It helps you avoid paying out of pocket for expensive repairs or total replacement.

Uninsured/Underinsured Motorist Coverage

Not everyone carries insurance. If another driver hits you and doesn’t have coverage—or doesn’t have enough—this policy helps protect you. It can cover your medical expenses and damage to your golf cart. This type of protection is especially useful if you use the cart around traffic or in areas with other drivers.

Medical Payments Coverage

Medical payments coverage, often called MedPay, provides financial help for medical expenses. It covers you and your passengers if you’re injured in an accident, regardless of who caused it. This can include emergency room visits, X-rays, surgeries, or other related costs. It’s especially useful if your health insurance has a high deductible or limited accident coverage.

Golf Cart Accessory Coverage

If you’ve upgraded your golf cart, don’t forget about the accessories. Custom parts like stereo systems, GPS units, lifted suspension, custom wheels, or upgraded seats may not be fully covered under standard physical damage coverage. Accessory coverage ensures these items are protected against damage, theft, or loss. If you’ve invested in custom features, this coverage is worth considering.