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Does Car Insurance Cover Golf Cart Accidents

Comprehensive coverage is important for protecting a golf cart in cases of theft, vandalism, or natural disasters. It also provides coverage for the cost of repairs, replacements, and any associated medical expenses. Additional coverage, such as collision, property damage, and bodily injury, can provide coverage in the event of an accident or other unexpected incidents.

Another benefit of golf cart insurance is that, depending on the policy, it may indemnify an operator for any medical bills that result from an accident or other incident involving a golf cart. This protection is especially important if an accident, vandalism, or natural disaster cause injuries.

If an operator wants to drive a golf cart or LSV on city streets and roadways in Arizona, they must obtain golf cart insurance. They must have a valid driver’s license and liability and injury insurance if they expect to drive on public thoroughfares. This coverage protects both the operator and any victims damaged or hurt in an accident with the golf cart.

What Is Golf Cart Insurance?

Golf cart insurance is a form of protection for golf carts and their owners. It provides financial protection in the event of an accident, damage, injury, or other incident. It can help an owner replace or repair a damaged golf cart, pay for medical expenses incurred in an accident, and provide coverage for liability to a third party. Golf cart insurance typically includes collision, comprehensive, property damage, and liability protection.

  • Collision coverage. Collision coverage pays for damage to the golf cart caused by an accident with another object or vehicle.
  • Comprehensive coverage. Comprehensive coverage pays for damage caused by things like fire, vandalism, and theft.
  • Property damage. Property damage coverage pays for damages to someone else’s property if the operator of the golf cart is at fault.
  • Liability. Liability coverage pays for the costs associated with a lawsuit if the operator is at fault.

In Arizona, golf cart insurance can be purchased through a variety of insurance companies, with policies typically quoted based on the value of the golf cart, the frequency in which it is driven, the terrain it is driven on, and the age and make of the golf cart. It is important for an operator to read the policy to fully understand what is and is not covered. Golf cart insurance offers protection for the driver and passengers.

What Does Golf Cart Insurance Cost?

Golf cart insurance costs vary depending on the policyholder’s location, coverage type, and provider. Generally, basic coverage can start as low as $50 per year. This type of coverage typically only includes liability protection, which protects against damages incurred in an accident for which the policyholder is at fault.

Comprehensive coverage, including liability protection and protection against collisions, vandalism, and theft, can cost anywhere between $200 to $400 per year. For those seeking more protection, some providers offer additional coverage, such as personal injury protection, which helps cover medical expenses related to an accident, as well as personal property coverage, which covers any property damage resulting from an accident or theft.

These policies can cost anywhere between $500 to $1000 annually. An owner must consider all their needs and obtain quotes from different providers before deciding on a policy. Additionally, insurance policies and all amendments need to be read thoroughly so that a policyholder understands the coverage limits and exclusions.

Golf Cart Insurance vs. Car Insurance

Many people ask, does car insurance cover golf cart accidents in Arizona? In short, the answer is no. Golf cart insurance and car insurance are both types of vehicle insurance, but there are distinct differences between the two.

Car insurance is designed to protect drivers and passengers in a car. This type of insurance will cover medical bills and property damage resulting from an accident. It also protects the policyholder from financial liability if they are found responsible for the accident.

On the other hand, golf cart insurance offers coverage for the vehicle and any damage it sustains, similar to car insurance. It will also protect the operator if someone is injured while in the golf cart or provide liability insurance in case of a crash with a person or vehicle.

Another difference between golf cart insurance and car insurance is the type of drivers covered. While car insurance covers drivers of various ages, golf cart insurance typically only covers licensed drivers 18 years or older. Coverage is not typically offered for those without a valid driver’s license.

In most states, golf cart insurance is not required; however, it is recommended for those who own golf carts and regularly use them for transportation. In Arizona, the law requires a valid driver’s license to operate on roadways and a minimum of $10,000 in liability insurance and $15,000 in bodily injury insurance.

If you are wondering if you can collect on an accident with a golf cart, the answer is yes. Depending on the type of accident you are in, you can file for compensation for:

  • Current and long-term medical bills and rehabilitation costs
  • Lost wages and possibly loss of future earning capacity
  • Pain, suffering, and inconvenience
  • Property damage
  • Permanent scarring and/or disfigurement
  • Temporary/permanent disability
  • Emotional distress
  • Loss of enjoyment of life

The amount of a claim that can be filed against a golf cart operator in Arizona depends on several factors. One of the key factors is the extent of the damage or injury caused by the golf cart operator’s actions. If the operator’s negligent behavior results in minor injuries or damages, the claim amount sought may be relatively small. Conversely, if the operator’s negligence causes significant injuries or damages, the claim amount sought could be much higher.

It is important to note that Arizona follows a comparative negligence law. This means that if the injured party is found to have contributed to the accident in any way, their compensation may be reduced proportionately. For example, if the injured party is deemed 20% at fault for the accident, their claim amount will be reduced by 20%.

Additionally, Arizona has a statutory cap on non-economic damages in certain cases. Non-economic damages include pain and suffering, emotional distress, and loss of enjoyment of life.

How Can Torgenson Law Help?

You have options if you or a loved one has been injured in a golf cart accident in Arizona. Golf cart accident cases can be challenging and complex. You need the golf cart accident attorneys from Torgenson Law on your side to help build a case for compensation. Our team is dedicated to getting you the justice you and your family deserve. Call us today at 602-726-0747 to start on a path to recovery.

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