Month: September 2023 Do I Need Golf Cart Insurance? Posted on September 29, 2023September 29, 2023 by AgentInsure You know it’s important to insure your home and car, but you may have overlooked your golf cart. We offer golf cart insurance at Peter Laczko Insurance Inc. in Woodstock, GA. Hitting the Road In Georgia, driving your golf cart on some public roads is legal. If the road has a speed limit of 35 mph or less, you can travel it in your golf cart. However, you must have liability insurance on your golf cart, just as you would your car, to drive it on the road. If your golf cart causes any damage to someone else’s vehicle or property in an accident, liability coverage will cover these costs up to the coverage limit. Protecting Your Investment Golf carts are typically less expensive than cars, but protecting the money you’ve spent on your cart is still a good idea. This is particularly important if you have a lien on your golf cart. Essentially, if it would be a financial strain or burden for you to replace your golf cart, full coverage insurance gives you the protection you need. This includes collision coverage, which will repair or replace your golf cart if an accident is your fault. It also includes comprehensive coverage, which covers damage due to other things like vandalism and theft. Passenger Protection Each year, there are many golf cart injuries. If a passenger is injured in your golf cart, you may be responsible for their medical bills. Golf cart policies offer medical coverage for passengers for this reason. Golf Cart Insurance at Peter Laczko Insurance Inc. If you need golf cart insurance in Woodstock, GA, contact us at Peter Laczko Insurance Inc. We have policies to meet all your insurance needs, from homeowners’ policies to golf cart coverage.