Are You Insuring Your Golf Cart/Recreational Vehicle Correctly? Here’s Why it Matters!
Recreational vehicles like golf carts, low-speed vehicles (LSVs), utility terrain vehicles (UTVs), and all-terrain vehicles (ATVs) are becoming increasingly popular for both work and play. Whether you're cruising around a neighborhood, managing a farm, or exploring off-road trails, these vehicles serve different purposes and require proper insurance coverage. However, many owners assume that their homeowner’s policy or standard auto insurance will cover them—which is often not the case.
At Bragg Insurance Agency, we’ve seen how costly it can be when people don’t insure their recreational vehicles correctly. That’s why we follow a structured process to ensure every vehicle gets the right coverage. Let’s break it down.
Golf Cart
Understanding the Type of Vehicle Matters
Before you can insure a recreational vehicle, it’s important to determine what type of vehicle it actually is. Each category has different safety features, speed capabilities, and insurance requirements:
LOW SPEED VEHICLE
Golf Carts:
Serial number (6-12 digits)
Speed up to 20 MPH
Lacks seatbelts, turn signals, headlights, or brake lights
Low-Speed Vehicles (LSVs):
VIN (17 digits)
Speed up to 25 MPH
Equipped with safety features like turn signals, headlights, and brake lights
UTVs & ATVs (such as John Deere Gators, Polaris Razors, etc.):
Speeds over 25 MPH
Equipped with safety equipment
Designed for both on-road and off-road use
Each of these classifications affects how insurance companies assess risk and determine coverage.
UTV
How You Use Your Vehicle Affects Your Insurance
Another major factor in determining coverage is where and how you plan to use the vehicle. Consider these questions:
Will it be driven on public roads or only on private property?
Is it used near home, or do you transport it across town?
Is the vehicle street legal?
Does it have a registration tag or sticker issued by a local municipality?
If your vehicle will be used on public streets, even occasionally, it may require an auto-type policy.
Who Drives the Vehicle is Just as Important
ATV
Insurance carriers also consider who will be driving the vehicle:
Will it be household members only, or will friends and guests use it?
Do any of the drivers lack a license?
What are the ages of the drivers?
Certain carriers have age restrictions, and some may require young drivers to be specifically listed on the policy.
Why Proper Insurance Matters
Failing to properly insure your recreational vehicle can lead to huge financial risks, including:
✔️ Liability lawsuits if you injure someone while driving an uninsured or underinsured vehicle
✔️ Out-of-pocket costs if your vehicle is damaged or stolen and not covered
✔️ Policy cancellations if your insurer finds out you improperly insured a vehicle
By taking the time to classify, assess, and insure your vehicle correctly, you avoid unnecessary risks and costs.
Final Thoughts: Don’t Assume, Get Insured Correctly
The best way to protect yourself and your investment is to speak with an insurance professional. If you own a golf cart, LSV, ATV, or UTV, reach out to Bragg Insurance Agency today. We’ll make sure you get the right coverage, so you can enjoy your recreational vehicle with peace of mind.
📞 Call or Text us today at 317-758-5828 to discuss your options! You can also email us at info@bragginsurance.com
