Protect Your Golf Cart and Your Wallet: The Importance of Golf Cart Insurance in Savannah, GA

Protect Your Golf Cart and Your Wallet: The Importance of Golf Cart Insurance in Savannah, GA

April 19, 2023

Savannah is a beautiful city with a rich history, and what better way to explore it than on a golf cart? Whether you’re cruising around the Historic District, taking in the scenery of Forsyth Park, or heading to Tybee Island for a day at the beach, a golf cart is a great way to get around. However, before you hit the road, it’s important to make sure you have the right insurance coverage.

First and foremost, it’s important to note that in the state of Georgia, golf carts are considered vehicles and are subject to the same rules and regulations as cars and trucks. This means that if you’re driving a golf cart on public roads, you’re required to have insurance. In fact, if you’re caught driving without insurance, you could face fines, points on your license, and even have your golf cart impounded.

But even beyond the legal requirements, there are plenty of other reasons to invest in golf cart insurance. For one, golf carts can be expensive to repair or replace if they’re damaged or stolen. With insurance, you can rest assured that you’ll be covered in the event of an accident or theft.

Here are some key reasons why golf cart insurance is essential:

  • Liability Coverage: While golf carts are often used for leisurely activities, accidents can still happen. If you accidentally injure someone or damage their property while operating your golf cart, you could be held liable for any resulting costs. Liability coverage can protect you in these situations and cover the expenses associated with any damages or injuries caused by your golf cart.
  • Theft and Damage Coverage: Golf carts can be expensive to repair or replace, especially if they are customized or have high-end features. If your golf cart is stolen or damaged in an accident, having the right insurance coverage can provide the funds necessary to repair or replace your vehicle.
  • Legal Requirements: Depending on where you live and how you use your golf cart, you may be required by law to have insurance coverage. Some states, like Georgia, require golf cart owners to have liability insurance if they are used on public roads.
  • Peace of Mind: Even if you don't use your golf cart on public roads, accidents can still happen on private property. Having insurance coverage for your golf cart can provide you with peace of mind knowing that you're protected in case something goes wrong.

Additionally, if you’re using your golf cart for commercial purposes, such as running a rental business or using it as a transportation vehicle for a hotel or resort, insurance is even more important. In these cases, you may be liable for any injuries or damages that occur while someone is riding in your golf cart, and insurance can help protect you from financial loss.

When shopping for golf cart insurance, it’s important to work with an experienced insurance agent who understands the unique risks and requirements of driving a golf cart in Savannah. We here at, Kingery & Company Insurance, can help you find the right coverage for your needs and budget, and make sure you’re getting all the discounts you’re eligible for.