Golf Cart Accidents Are No Joke

Posted by Pekin Insurance on Jun 11, 2019

4 min read

Protect your golf cart on the road and on the course.


Take a trip to YouTube. Search for golf cart fails. You’ll see plenty of flipping, skidding, crashing, and flying.

Usually, it’s people who do the flying. Golf carts aren’t designed for the damage you watch on the screen, and neither are the drivers and passengers.

Golf carts aren’t toys, and golf cart accidents are no joke. Stay with us to learn how to cover your golf cart on the road and on the course.



Know Golf Cart Laws and Regulations

A golf cart is a golf cart, right? There surely aren’t laws … wait, there are state and local laws governing how you use these vehicles!

Our friends at Golf Cart Resource created an in-depth guide to golf cart state laws and regulations. When you get to the site, click on your state for a full list of rules and regulations.

Laws vary from one state to the next, but we’ll use Illinois as an example.

The state of Illinois lets local governments handle most golf cart regulations but dictates these rules for driving golf carts on roads:

  • A driver’s license is required to operate a golf cart on public roads.
  • State minimum liability insurance is required.
  • Golf carts can’t drive on state or federal highways, and they can only be driven on roads where the posted speed limit is 35 MPH or less.
  • There’s a LONG list of equipment requirements (we won’t post all of it here).

Check your local laws before you run out to buy a golf cart as a commuter car.




On the Road: A Golf Cart Accident Scenario 

Let’s say, hypothetically, your town allows golf carts on roads.

Great! You buy a golf cart and use it for in-town trips.

You feel like a quick ride on a sunny summer day. There’s an infectious energy in the air as you reach the square. The annual town festival starts tomorrow, and almost everyone you know is out and about.

You’re caught up in the moment, and you don’t see the little red car with its caution lights flashing.

Crash! You rear-end the little red car.

Who pays for the damages? 

There are multiple answers:
1) If you have recreational vehicle (RV) coverage from Pekin Insuranceyour insurance policy and your deductible could help cover damages, injuries, and medical payments.

2) If you have no coverage for your golf cart, you could pay for all damages, injuries, and medical payments out of pocket.

There’s a common misconception that your homeowners policy would cover crashes like this. However, most homeowners policies won’t cover golf cart accidents unless they happen on your property or on a golf course.

That’s why it makes sense to have a standalone RV policy for your golf cart.



At the Course: A Golf Cart Accident Scenario

You wake up to a day that’s perfect for golfing:

  • It’s not too hot or too cold.
  • It’s slightly windy.
  • There’s almost zero humidity.

You grab your golf bag and head out. You meet a few friends at the course, get your cart lined up, and start the game.

You’re playing lights-out. The drives stay on-course. The putts curve when they need to curve. You can barely believe it.

You hop on your golf cart and head toward the next hole. You’re thinking so hard about your next shot that you don’t see the turn ahead. You run the golf cart into a tree and hear a cracking sound.

Who pays for the damages?

Once again, there are multiple answers:
1) If the club owners know you well, they might be nice and cover the costs through a combination of business insurance and their own funds.

2) As we mentioned above, your homeowners policy might extend coverage for liability and physical damages.

3) If you’re at a course that allows golfers to bring their own carts, and you own the cart, this is where the RV insurance would be useful.



Yes, You Can Get a DUI on a Golf Cart

Maybe you don’t need us to tell you this, but: 
Motor vehicles and alcohol don't mix.

Here are the places where drinking and driving is acceptable:

DUIs are embarrassing. A DUI on a golf cart? That’s a new level of embarrassing.

In most cases, you can be arrested on private property for drinking and driving. You might avoid hurting people and damaging property, but you could still wind up in jail.

Let someone else drive the golf cart if you’ve had a few too many on the course. Don’t drive the golf cart at all if you’ve had a few too many at home.


RV coverage for your golf cart is such a no-brainer. You might say it’s a hole in one! Pardon our cheesy golf puns, and contact your local Pekin Insurance agent for everything you need to know about RV coverage.

Contact your local Pekin Insurance agent today!




Subscribe to our Blog