Does Car Insurance Cover Golf Cart Accidents?

Does Car Insurance Cover Golf Cart Accidents
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Insurance companies recognize golf carts and other passenger vehicles are different because of their safety features and where they can be legally operated. Therefore, it is unlikely your car insurance will cover any damage done to or by your golf cart in an accident or cover any injuries. However, as with many things legal, conditions apply. 

So, if you get into a golf cart accident, don’t assume you have no way of recovering compensation. Learn about your legal options for seeking damages below. 

Can I Pursue Compensation if I Am Hit by Another Vehicle While in a Golf Cart?

Yes, if the other driver was negligent and caused the accident, you can file a claim or civil lawsuit to recover damages. First, however, you will need to prove liability. The process involves demonstrating that the other party failed to drive safely, they caused the accident, and you suffered injuries as a direct result of their negligence. A lawyer with our firm can help prove their wrongdoing.

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What Is Meant by Driver Negligence?

Negligence is a term used to describe when a driver operates a vehicle carelessly, resulting in harm to another person. The most common types of negligence behind the wheel include:

  • Distracted driving, such as using a smartphone/texting while driving
  • Driving while under the influence of alcohol or drugs
  • Failing to obey traffic laws, signs, and signals
  • Reckless driving such as speeding 

What Compensation Is Available in a Personal Injury Lawsuit?

Damages awarded are based on the unique circumstances of your accident and the severity of your injuries. Cases involving serious injuries tend to settle for higher amounts. As a general guide, compensation in a claim or civil lawsuit can be awarded for the following damages:

  • Current and ongoing medical bills and rehabilitation costs
  • Lost wages and loss of future earning capacity if your injuries affect your ability to work in the future
  • Pain, suffering, and inconvenience
  • Property damage
  • Permanent scarring or disfigurement
  • Temporary/permanent disability
  • Emotional distress
  • And more if you qualify

If a negligent motorist caused an accident resulting in the loss of a loved one, surviving family beneficiaries of the deceased could file a wrongful death lawsuit.

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Are There Any Other Ways To Pursue Compensation for a Golf Cart Accident?

Yes. For example, if the accident happened while you were on the golf course, the premises owner may be liable if the conditions of the course or its carts prove to be unsafe. Other potentially at-fault parties can include:

  • A golf cart manufacturer if design flaws or manufacturing defects contributed to the crash
  • The employer of a negligent driver who struck your golf cart

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How Long Do I Have To File a Golf Cart Injury Lawsuit?

Per Florida Statutes § 95.11, injured parties generally must file a lawsuit within four years from the accident date. If you miss the deadline, it is unlikely the court will hear your case. One of our lawyers can make sure you file before this statute expires. 

You do not want to miss out on the compensation you deserve, so do not wait to take action. There is plenty to do prior to filing a lawsuit, including collecting time-sensitive evidence and speaking with witnesses. The sooner you begin work on your case, the better.

Do I Need To Carry Insurance for My Golf Cart?

No. Golf carts do not require insurance, nor do they need to be titled or registered in Florida. Should you insure your golf cart? It is definitely a good idea as car insurance likely will not cover a golf cart accident. Insurance coverage is available to protect you in the event of:

  • Bodily injury (coverage that protects you from financial losses if you cause injury to another person with your golf cart)
  • Property damage (to help pay for any damage you cause to another person’s property with your golf cart)
  • Collision coverage (helps cover the cost of repairs in case of any damage to your golf cart)

Could I Be Sued if I Cause an Accident While Operating a Golf Cart?

Yes. A golf cart driver could be held liable for damages if they cause injury to another person. Anyone sharing the roads must abide by the laws for driving a motor vehicle. 

Learn More About Your Legal Options During a Free Consultation Today

If you were injured in a golf cart accident, the team at Bogin, Munns & Munns can provide clarity about your legal options and get you the help you need. 

With over three decades of experience representing injured people across the state of Florida, our attorneys are here to support and guide you with your compensation claim. To find out more about our legal services and how we can help, call for a free no-obligation consultation with a member of our team at (855) 686-6752 today. 

Call or text 855-686-6752 or complete our Request a Consultation form

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