If you do not sign up for the correct insurance you may not be covered at all, whether you are an injured claimant, or whether someone is making a claim against you in Tampa. It is important that you apprise your agent and company insuring you how fast your golf cart is rated for, and whether it is outfitted with brake lights and headlights to make it street-legal. The reason may not be so obvious until one day your insurer — who you thought would cover you — will not honor your claim. Your homeowner’s policy may not cover you in a golf cart incident if you should have had it covered by your auto carrier (and vice versa, of course). Get this nailed down with the help of a golf cart insurance attorney and speak with your agent so that you are covered!
Ask a Golf Cart Insurance Attorney: What Do Different Insurances Mean?
I remember when I was younger going to my insurance agent and not understanding the blur of different coverages available. It can be very confusing. As a golf cart insurance attorney in Tampa, I am going to give you the inside track on what the terms mean. You can then better make your decision on what you need.
- Property Damage(a.k.a. “PD”) covers you if you cause damage to another vehicle or property.
- Personal Injury Protection(a.k.a. “PIP” or “No Fault”) covers your medical bills if you are involved in an accident up to $10,000.
- Bodily Injury(a.k.a. “BI”) covers you if you cause physical injury to another person.
- Comprehensive/Collision(a.k.a. “Comp/Collision”) covers your property (i.e., your vehicle) regardless of whether you cause the incident or someone else causes the incident who has no coverage.
- Uninsured/Underinsured Motorist(a.k.a. “UM” or “UIM”) covers you for physical injuries when the other person has no coverage or not enough.
Okay, so now that you have the inside track on what the different types of coverages are available mean, you may be wondering what you actually need. That decision is of course up to each person. Schedule a consultation with your Tampa golf cart insurance attorney to discuss your best options.
Additional Considerations to Keep in Mind
There are many people out on the roads that have no coverage at all. Zero. So, if you are hit by someone with no insurance, you better have coverage on you, for you. That means for your physical injuries you would have Personal Injury Protection and Uninsured/Underinsured Motorist coverage. If you want coverage to cover your vehicle (to make sure they are covered when hit by an uninsured driver) you need the Comprehensive/Collision.
If someone hits your golf cart and they have no coverage, your fallback would be to go through your own “Comp/Collision” coverage. Also “Comprehensive” covers your vehicle in non-collision cases like where a tree limb falls on it. When you need assistance pursuing legal action, consult with a Tampa golf cart insurance attorney.
Can’t I Just Buy the Minimum Required Insurance Coverage and Leave This All to Chance?
Of course, but if you hit someone and cause physical injury to them (and you do not carry Bodily Injury coverage) the State of Florida can suspend your driver’s license, and you may be sued by that claimant. If you are sued, a golf cart insurance attorney in Tampa may be able to help, but there are no guarantees.
Can’t I Just Sue a Person If They Do Not Have Insurance and They Hit Me?
Yes, but what is less commonly known is that you have to get a judgment the person who hit you and has no coverage. If you get a judgment against that person, the Court or bailiff does not hold the person at the courthouse until they pay you. You still have to try to collect the money. That is not very easy in the State of Florida. The truth is that people who generally do not carry coverage on their vehicle do so because they don’t have the money. So, you can get the judgment against the person, but if they have no assets, then you will have a judgment written on a piece of paper.
Yes, that judgment will inconvenience the person who hit you and had no coverage, but that neither gets your medical bills paid nor does it get your cart repaired. So, while suing an at-fault driver with the help of a golf cart insurance attorney sounds good in theory, you can see the worth of having coverage both for injuries and to repair your vehicle in Tampa.
Discuss Your Options with a Golf Cart Insurance Attorney
One last point is that whatever amount of coverage you obtain, that is a contract between you and that company. Your insurer does not cover what you do not purchase. Okay, so now that you have the inside track, you can go forth and get the type and amount of coverage that is right for you.
If you are involved in an accident, give us a call for an absolutely free, no-obligation consultation with a golf cart insurance attorney to discuss your situation.
The above information is given for general information purposes only and is not to be considered legal advice. Each situation varies based on your facts. For more information, contact us to discuss your situation in Tampa.
We are ready to help you.