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What to Do If Your Car Has Been Hit By A Golf Cart

Even a minor car accident can be a major inconvenience but if your vehicle was hit by a golf cart you have the added headache of trying to figure out how, or if, the damage is covered. Is it your auto insurance? A homeowners policy? The owner of the golf cart's insurance? The specific circumstances will dictate your next move but there are some steps you need to take no matter what. First, document everything. Call police to the scene and file a report, if possible. Take photos and talk to anyone who witnessed the incident. If there are witnesses, get their contact info. Speak to a lawyer. Florida requires certain types of low speed vehicles to be registered and insured, just like other motor vehicles. Florida is a No-Fault state, which means every driver must carry a minimum of $10,000 in personal injury protection coverage. However, golf carts do not need to be titled or registered and their drivers aren't required to have PIP or property damage liability insurance, which can make it tough to collect. The last step is proving damage was done so go to a mechanic and get an estimate. If your car has been hit by a golf cart, contact Oldham&Smith or log on to