Do I Need Golf Cart Insurance in South Carolina?

In South Carolina, golf cart insurance is required by law if you plan to use your golf cart on paved roads. 

Liability insurance covers damages and injuries you may cause to others in an accident while driving your golf cart. 

Golf Cart Insurance in South Carolina: What You Need to Know

In South Carolina, golf carts are classified as “low-speed vehicles.” They must follow the state laws for using them on public roads.

If you plan to use your golf cart on public roads, register it with the Department of Motor Vehicles. Additionally, you’ll need an insurance policy that meets your state’s minimum liability coverage requirements. If you want more information on golf cart laws in South Carolina, read here. 

Additionally, if you live in a subdivision or neighborhood with a Homeowner’s Association, you’ll likely need to purchase insurance when you buy a used or new golf cart. Many HOAs require this, and you could face fines if it’s discovered that your golf cart isn’t insured.

Car Insurance and Golf Cart Accidents. Your Options for Protection.

Your car insurance policy usually won’t cover accidents involving your golf cart. However, there are other options for protecting yourself and your golf cart.

If you plan to use your golf cart on public roads, you’ll need a modified auto insurance policy with liability coverage. This coverage will help pay for damages or injuries you cause to others in an accident.

You may also want to consider collision coverage, which can help pay for damages to your golf cart if you’re involved in an accident with another vehicle or object.

Homeowners Insurance and Golf Carts. Understanding Your Coverage.

Homeowners insurance policies can be a little tricky when it comes to golf carts. While some policies may provide limited coverage for golf carts used strictly on your property, most policies won’t cover you if you drive your golf cart on public roads or off your property.

If you own a golf cart and plan to use it on public roads or outside your property, it’s important to check your homeowners insurance policy and speak with your insurance agent to understand your coverage options. In some cases, you may be able to add an endorsement or rider to your homeowners policy to extend coverage to your golf cart, but this will vary depending on your insurance company and policy.

If you don’t have the proper insurance coverage for your golf cart and are involved in an accident, you could be liable for damages and injuries. It’s important to make sure that you have adequate insurance coverage to protect yourself and your assets.

How Much Is Golf Cart Insurance in South Carolina? Exploring the Costs

The cost of golf cart insurance in South Carolina can vary depending on several factors, including the coverage limits you select, the type of golf cart you own, and the vehicle’s intended use. If you only plan to use your golf cart on a golf course or your private property, you may be able to add it to your homeowner’s insurance policy at a relatively low cost.

However, if you plan to use your golf cart on public roads, you’ll need a modified auto insurance policy that includes liability coverage, which may be more expensive. To get an accurate estimate of golf cart insurance costs, it’s best to contact an insurance agent who can help you compare coverage options and find the right policy for you.

To help you in your golf cart insurance journey, we’ve put together some local insurance agencies that may be able to help.

Advisors Insurance Agencies: From personal lines to commercial, Advisors is a customer-experience-driven Insurance Agency offering various high-quality protection options. Whether you’re an individual or a business, we are committed to serving you in the present and the future.

Southern Insurance Group: As an independent insurance agency located in Greenville, SC, and Columbia, SC, serving all of South Carolina, North Carolina, Georgia, and surrounding areas. As South Carolina natives ourselves, Southern Insurance Group understands the unique risks you face and can help protect what matters most.

KSA Insurance: Headquartered in downtown Charleston, SC, KSA Insurance is an independent insurance company serving clients throughout the South and East Coast. We offer a full range of commercial and personal insurance products through an extensive carrier network so that you can get the best coverage at the best rate for your needs. 

Looking to Buy a New or Preowned Golf Cart?

Golf cart insurance is important for all golf cart owners, whether you use your vehicle on public roads or only on private property. While insurance requirements may vary depending on where you live and how you use your golf cart, it’s always a good idea to speak with an insurance agent and ensure adequate coverage to protect yourself and your investment.

Additionally, it’s essential to keep your golf cart road-legal by ensuring it has the required headlights and by obeying traffic laws. Not only can this help keep you and others safe, but it can also help you avoid fines and legal troubles.

At Garrett’s Golf Cars, we understand the importance of insurance and can help you find the perfect golf cart for your needs, whether you need a new or pre-owned vehicle. Our knowledgeable staff can also answer any questions you may have about insurance requirements in South Carolina. 

If you’re in the market for a golf cart or specialty vehicle, contact us today to schedule a test drive or learn more about our inventory. We look forward to helping you find the perfect golf cart for your family and lifestyle!

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