Do golf carts need insurance and registration in FL?

Florida is well known as a retirement state, and there are several communities established for retirees to live, and gather. One such popular community in Central Florida is called The Villages. In the Villages, you will find the most popular mode of transportation is golf carts. They have established roadways and parking to accommodate the golf carts, since it is the predominate mode of transportation within the community. Should you decide to purchase a golf cart, you will need to know under what circumstances golf car insurance is required.

Golf cart registration

There are 2 main types of golf carts, the traditional golf cart, and the Neighborhood Electric Vehicle also known as the NEV. The traditional carts only reach a top speed of 25 miles per hour and do not have to be registered or insured with the state. The NEV however, is made to have a top speed of 25 miles per hour, and can hold up to 3,000 lbs of weight. Since they can be driven on roads of 35mph or less legally, they are considered a low speed vehicle that must be registered and insured.

Golf cart insurance

Because of the expense and upgrades offered to regular golf carts, it is always the best idea to have golf cart insurance. Florida is known for such weather as heat and humidity, hurricanes and torrential downpours. Any of these such weather issues can cause damage to your golf cart. You can also be covered against theft, accidents including bodily injury, or even accessory coverage. Some policies even cover road side assistance. In some cases your home owner’s policy may have a coverage for your golf cart, but you will have to check with your insurance carrier to determine what coverage is best for you.

If you are involved in an accident involving a golf cart, we want to assist you in resolving your case. All of the attorneys at Oldham & Smith are long-term or lifetime residents of central Florida. We will begin an immediate investigation to identify all parties responsible, such as government agencies or their contractors guilty of negligent road maintenance, reckless drivers, underage golf cart drivers, and drunk drivers. As your attorneys we will keep you fully informed about your case at all times. We will be with you every step of the way until your case is resolved. Call us at (352) 292-1620 or contact us by email to schedule a free consultation with an attorney experienced with handling golf cart accident cases.


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