Golf cart owners who want to protect themselves in case of a collision can purchase golf cart insurance through many car insurance companies. Some home insurers also offer additional golf cart coverage for purchase.
Maison Law represents victims injured in golf cart accidents and helps them secure the recovery support they need. If you are hurt due to the negligence of a driver or a recreational business, like a golf course, contact a skilled California Golf Cart Accident Lawyer and schedule a free consultation.
California Golf Cart Requirements
Most California golf cart owners aren’t required to carry insurance for their carts. A cart is classified as a “golf cart” in California when it only carries two occupants, remains under 1,300 lbs, and goes no faster than 15 mph. Golf carts aren’t generally allowed on public roads except in some cases around golf courses and resorts. You can find our page on additional California golf cart restrictions here.
When Golf Carts exceed these limits they would generally be considered an alternate class of vehicle, known as Low-Speed Vehicles (LSVs). This may make them legal to travel on some public roads, but they’d be subject to stricter safety guidelines and they’d need to carry certain safety devices. Drivers may also need accident insurance if they’ve modified their golf carts.
Golf carts may generally travel at slow speeds, but they are still susceptible to dangerous impacts. A careless driver in a car, SUV, or Truck may neglect to slow down near a cart crossing and ram defenseless golf cart occupants. A reckless driver in a cart may strike another golf cart. A dangerous cart path hazard may be left out by a grounds crew on a golf cart, subjecting golf cart travelers to great harm.
Most golf carts aren’t required to have seat belts. In any collision, occupants can be thrown around the cart and often out of the vehicle. The injuries can be serious and golf cart drivers and owners may be caught without proper insurance support to help pay for medical care and long recoveries. A California golf cart accident lawyer helps victims seek support from at-fault parties so they can recover and return to the golf course.
Finding Insurance for a California Golf Cart
Most normal car insurance policies won’t cover policyholders when they are in a golf cart accident. Their homeowner’s policies likely won’t offer any help either. Golf cart owners and operators will need to seek additional coverage.
This can be a policy that looks much like auto accident insurance coverage. Some insurers have policies tailored to golf carts. Some insurance providers offer recreational vehicle insurance. These basic policies protect golf cart users if they are ever responsible for a mistake that causes an accident and injuries. The policy would allow victims to draw support to help pay for their hospital bills. The policy also enables golf cart owners to provide support to victims without being overwhelmed financially.
If you held one of these policies, it would help pay for the medical care of victims in any vehicle you struck and perhaps the guests you had in your golf cart. But it likely wouldn’t help you or a family member pay for care if you were found liable for an accident.
But just like car insurance, many insurers offer add-on coverage that can help you and your close relatives in the event of a crash.
- Med-pay protection would help you and your family pay for your own injuries no matter who was found at fault in a golf cart crash.
- Collision coverage would help you pay the cost of repairs to your golf cart or to purchase a replacement no matter who was at fault.
If you were struck by another driver through no fault of your own, you would be demanding compensation from the other driver’s car insurance policy. However, insurance companies make their profits by limiting the amount of support they give to deserving victims. A California golf cart accident attorney helps keep insurance companies honest and makes sure you receive every cent you need to make a full recovery.
Does My Homeowners Insurance Cover My Golf Cart Accident?
Some golf cart owners might think a golf cart crash would be covered by their homeowner’s insurance. This isn’t likely the case.
Most homeowners policies would only cover your golf cart in case of theft and any accidents while you
Some recreational vehicle policies would only cover your vehicle if it was on a golf course or perhaps inside a neighborhood. Once you pulled onto a city or county road, you’d likely have no protection. Make sure you check with your insurance agent about your coverage.
Contact a California Golf Cart Accident Lawyer
After a serious golf cart or LSV accident, please rely on an experienced California golf cart accident lawyer to handle your case and protect what’s important to you.
Insurance companies aren’t required to tell you about every benefit available to you. When you aren’t informed of your rights, you can lose out on valuable resources and end up paying for a large chunk of your recovery costs out-of-pocket.
That should never be the case when you are put through such a traumatic accident through no fault of your own. Take advantage of a free case consultation with Maison Law. This case evaluation comes with no obligation to you or your family. Make sure you are treated fairly and receive the support you need to fully recover and get back on your feet and back on a golf course.
