If you own a golf cart in Florida, you may be wondering if you need to get insurance for it. While Florida law doesn’t require you to have golf cart insurance, it’s still a good idea to consider it.
Here are a few reasons why: 
- Accidents happen—Even if you’re a careful driver, accidents can still occur. You could be liable for damages or injuries if you collide with another golf cart or hit a pedestrian. Without insurance, you could be responsible for thousands of dollars in medical bills, property damage, and legal fees.
- Protection for your cart—Golf carts can be expensive, and they’re also at risk of theft or damage. If your golf cart is stolen, vandalized or damaged in a storm, insurance can help cover the cost of repairs or replacement. Without insurance, you’ll have to pay out of pocket for any repairs or replacements.
- Liability coverage—If someone is injured on your golf cart, you could be liable for medical bills or legal fees. With liability coverage, you can protect yourself from these expenses and ensure that you can cover any damages or injuries.
- Extra coverage—Depending on the insurance policy you choose, you may be able to add additional coverage for things like roadside assistance, personal property, and more. This can give you peace of mind and ensure that you’re covered in most situations.
- Peace of mind—Finally, having insurance for your golf cart can give you peace of mind. You’ll know that you’re protected in case anything happens, and you won’t have to worry about unexpected expenses or legal fees.
How to Get Golf Cart Insurance
While Florida may not require golf cart insurance, it’s still a good idea to consider getting coverage for your cart. With insurance, you can protect yourself from unexpected expenses and ensure you’re covered in an accident or theft. Contact Automatic Insurance to find out how we can help you insure your golf cart.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.