To be perfectly honest, this question comes up a lot… Can I get by without golf cart liability insurance? Well, if you’re asking yourself this question at all, then kudos. It doesn’t even occur to most people that something like this might be a wise thing to look into. And why bother?
When we’re driving our golf carts around, we don’t really expect anything bad to happen, we’re not going very fast, it’s in the middle of broad daylight, we’ve only had two or three beers at most, and the list goes on and on.
Fact is, you can make similar arguments with just about everything that folks insure these days.
Will the worst possible scenario actually happen? Probably not. But let’s take a closer look at why you just might like to consider insuring your golf cart.
Consider this: Over 90% of all golf cart accidents occur when absolutely no foul play whatsoever was involved. No alcohol. No kids stealing the cart for a joy ride.
No races around the clubhouse in the midst of foot traffic and other obstacles.
The vast majority of accidents happen out on the golf course, when there doesn’t seem to be any cause for concern. Many accidents take place due to unexpected health conditions such as heat stroke or heart attack.