Do You Need Insurance to Drive a Golf Cart in Florida?

Do you live in Florida and own a golf cart? Are you wondering if you need insurance to drive it? The answer is that it depends on the type of vehicle you have. In Florida, golf carts do not require insurance, but low-speed vehicles (LSVs) do. For the casual observer, there may be no difference between a golf cart and an LSV. However, the cost of your golf cart insurance will depend on several factors, such as where you live, the types of coverage you choose, your driving history, age and how you use the golf cart (for example, driving on public roads).

A “conventional” golf cart has a top speed of less than 20 mph, while an LSV can typically reach speeds of between 20 and 25 mph. If you are driving your golf cart on public roads in your gated community, you won't have coverage in the event of an accident. To protect yourself from potential liability, you may want to consider purchasing insurance for your golf cart. The Hartford's AARP Auto & Home Insurance Program offers basic coverage for golf carts.

If you were injured in a golf cart accident due to someone else's negligence, contact a golf cart accident lawyer near you in The Village. Plaintiffs seeking compensation may include the driver of the golf cart, passengers, occupants of other golf carts, pedestrians and cyclists. You can drive your golf cart in Nevada in residential developments approved by the city or county government. Initially, a golf cart is a motor vehicle for some purposes and is not a motor vehicle for other purposes.

In most cases, insurance companies will classify golf carts, low-speed vehicles, and cars differently, so golf carts may not be covered by a traditional auto insurance policy. If your golf cart is operating at speeds of 25 miles per hour or less, you'll need a slow-moving vehicle emblem to drive on public roads.

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