If you are a golfer and satisfied with the policy of the homeowner, please think again. Your homeowner's insurance policy can not protect you when you leave green and the sidewalk. In practice, you need a coverage area specially supervised for golf carts.
There is a big difference in the amount of insurance when you buy insurance policies. You will not move from your meal to your bedroom, kitchen or patio with your golf cart in your house. Especially when you are on a wheel, you need adequate protection. A quick example of when your homeowner's insurance can not protect you
• When you get on the cart, you will see an accident and take medical expenses
• Cart slides from trailer while driving
• Golf cart has been stolen
• Your truck hurt someone
However, applying for the insurance coverage of the cart will be an answer to these concerns and, of course, your mind peace.
What do you expect? But you can do more than you expected,
A complete insurance policy for your cart is even more to provide and is actually designed to cover all your needs. In addition, insurance service providers can further protect vehicles such as stereos and headlights by adding riders to policies. There are several valid coverage types
• Comprehensive insurance coverage - This type of coverage usually protects golf carts from all types of non-collision damage. Such a range covers losses caused by theft or fire. Insurance service providers offer comprehensive insurance coverage based on the total price of the cart, the year of manufacture, and many of such cost governance factors.
• Collision insurance coverage - As the name implies, this type of coverage protects you during collision losses. This coverage is particularly suitable when you collide with other carts and other objects.
• Bodily Injury Liability Compensation - This kind of indemnity helps to compensate for losses due to physical injuries of others. If you are subscribed to the body injury insurance policy, you can not pay medical expenses for that person from your pocket.
• Property Damage Liability Range - This kind of insurance coverage protects customers in the event of liability for loss due to accident. Damage to cars, houses, or other assets is protected by coverage coverage.
Some questions you need to consult your insurance agency before signing
The scope of coverage of Golf Carts is an important aspect and you must purchase with caution. Please do not sign any documents unless you are satisfied with the same thing by asking your insurance agency the following questions.
• What is the ideal medical and liability for you?
• What is the most affordable price that can be paid in case of theft or accident loss?
• What discounts are available?
• What is the standard procedure for submitting complaints?
• How long does it take to resolve the complaint?
• What are add-ons and riders available to me for improving coverage?
