In recent years, golf carts have become a popular form of transportation. Golf carts are great for short trips around the neighborhood or simply a Sunday evening cruise. This recreational trend has raised several coverage concerns for golf cart owners including whether or not they need golf cart insurance.
There are currently two types of golf carts available to a consumer. The unlicensed golf cart is designed to carry up to four people on a golf course and not built to exceed a speed of 25 miles per hour. A licensed golf cart can exceed 25 miles per hour and meets the safety requirements of the state it is licensed in.