DOES MY AUTO INSURANCE APPLY TO A GOLF CART?

It depends on what insurance you have and what your insurance policy says in the terms and conditions. There are two basic parts to an insurance contract. There is a Part A which states what is covered and there is a Part B which states what is excluded.  Part B usually contains words like “unless” or ‘except” that when read in its entirety go something like “this is covered “unless” [X condition] is present”. For instance, some insurance policies contain a Medical Payments section, but there are restrictions on who is qualified to get those Medical Payments and who is excluded.

Many times after a golf cart injury accident an automobile insurer will deny the claim outright and send a denial letter. Other times the insurer will send a “Reservation of Rights” letter which informs the insured customer that the insurer doubts it has obligations to pay the claim. Receiving such a letter can cause doubt and uncertainty to a golf cart injury victim as to who is going to cover medical bills, lost wages, and pay for injuries caused by an owner or operator of a golf cart involved in an injury accident situation.

Here at www.GolfCartAttorney.com, because we specialize in golf cart injury cases it is common for us to successfully fight a case where an auto insurer to denied a claim or sent out a Reservation of Rights letter to an injured person—but which we are able to achieve a recovery for that injured golf cart accident victim. It is very easy for an automobile carrier to just say “No” and then see if the injured golf cart claimant does anything about it. If the injured golf cart accident victim does not pursue the claim then the insurance company is typically not going to voluntarily pursue it and pay money where they have previously denied a golf cart injury claim. That is not the way insurance companies work today. To be clear there is no real oversight mechanism to keep the insurance company honest in paying legitimate golf cart injury accident claims. Yes, Florida has a Department of Insurance but they do not compel insurance companies to act reasonably or pay fairly on claims. That task is left to the injured person. But it is difficult for a person to force a recalcitrant insurance company to pay your claim. This is one of the reasons why at www.GolfCartAttorneys.com we have never, not once, represented an insurance company. We have only represented individual claimants who are being rejected, low-balled, and stalled by an insurance company on a legitimate claim.

It is important that you choose an attorney who handles golf cart injury cases as opposed to just any attorney who gets a golf cart accident injury case once even 5 or 10 years.  At www.GolfCartAttorneys.com we are prosecuting golf cart injury cases every day. If you needed to go to a surgeon would you choose the surgeon who does that type of surgery every day or would you choose a surgeon who does the surgery you need once every five years. The answer is clear, you would trust the surgeon with the experience and you would not take a chance on someone with little experience. The attorney you choose to fight for you must immediately know why automobile insurance should cover you and how to fight back when the auto insurer tries to deny your golf cart injury claim. We know that law and you can have confidence in our 25 years successfully handling golf cart injury claims.

Contact us:

If you have been hurt in a golf cart accident.

If you have already been denied by an insurer for your golf cart injury accident.

If the insurer says the golf cart accident was your fault.

If the dogbite attorney says they cannot make the insurer pay for your injuries.

If the car accident attorney says they cannot make the insurer pay for your injuries.

WE HANDLE GOLF CART ACCIDENTS THROUGHOUT ALL OF FLORDA

There is never a charge to you until we win your case.

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SUN CITY CENTER  813-999-2221

ALL OF FLORIDA    800-253-2531