According to a NJ.com article by Joe Brandt, Mario Zaburski, from Teaneck, NJ, had just completed the ninth hole at the Alpine Country Club when a golf cart driven by Jerome Klein struck him in the right knee. Mr. Zaburski fell hard on his back. A doctor’s visit showed that the fall aggravated a pre-existing spinal condition and required surgery. He missed work for a year and was laid off in late 2016, three weeks before he was set to return. After a four day trial, a jury ruled that Mr. Klein had to pay Mr. Zaburski $3.6 million in restitution.
Whether you own a golf cart, have a golf cart rental service, a rental home with a golf cart, a golf cart taxi service, or are advertising with a golf cart, insurance coverage is a must. Reach out to XINSURANCE today to receive a golf cart insurance quote.
Golf cart insurance exists in a sort of no man’s land between motorcycle insurance, homeowner’s insurance, and auto insurance. Basic golf cart usage is sometimes covered under a homeowner’s policy. Just as a riding mower doesn’t have to be registered, you don’t need a license to drive a golf cart. If you only use it on the grass, you might be able to add the golf cart to a homeowner’s insurance policy to protect yourself from accidents.
But sometimes golf cart accidents are not covered by homeowner’s insurance, or auto insurance, or motorcycle insurance. That’s where XINSURANCE comes in. They provide a free policy review to see if you are covered by your existing policies and if you’re not, they create a customized coverage plan. Assigning a team of underwriters, claims managers, policy services staff, and risk managers to your case, they identify the gaps within your coverage and offer solutions for specialty insurance coverage.
Golf carts are a strange breed of vehicle. Most golf carts are designed to operate at a high of fifteen miles per hour, but many are modified to operate at speeds up to thirty-five miles per hour. These golf carts are classified as Low-Speed Vehicles (LSVs), Neighborhood Electric Vehicles (NEVs), or Medium Speed Vehicles (MSVs). It is legal to drive these carts on public streets with lower speed limits in all states except Pennsylvania, Montana, Connecticut, and Mississippi. Though, because these carts classify as motor vehicles and are regulated, the states in which they are legal require them to be insured, registered, and operated only by licensed drivers. Auto insurance, however, often does not cover injuries to others or damage to property caused by golf car collisions. For these, you need golf cart insurance, which grants you protection from property damage liability, injury liability, collision costs, and damage to your cart incurred outside of a collision.
It may also be worthwhile to purchase an umbrella policy that provides liability coverage above and beyond the coverage of homeowner’s insurance, auto insurance, or motorcycle insurance.
To get a golf cart insurance quote contact XINSURANCE at (877) 585-2853, or head to XINSURANCE.com. XINSURANCE is a committed insurance partner, providing protection up to $10 million with excess available. They evaluate risk and provide coverage for new companies, startups, and companies with claims histories, or other financial issues. In some cases, they save businesses by providing liability insurance that is essential to business operations.
According to an article in the American Journal of Preventive Medicine, golf cart injuries send 15,000 people to the hospital each year. They are used in retirement communities, on college campuses, business campuses, in airports, on lawns across the nation, and, of course, on the golf course. Golf cart insurance is here to protect you, your passengers, and your vehicle. Reach out to XINSURANCE today.