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A Golf Cart Owner’s Guide to Safety and Security | World Insurance

Written by Jim Hickey | Feb 6, 2025

In Florida and other states, golf carts have become a staple of everyday life, with many owners using them for more than a drive to the back nine. From navigating “golf-cart friendly” planned communities to running errands, these vehicles have found a new life far from the fairway. However, this expanded role brings unique risks and responsibilities that demand attention.

Tee Up for Safety: The Hidden Dangers of Golf Carts

Golf carts may seem innocuous, but their increasing presence on streets and roadways has revealed significant safety concerns. Here are some of the more common risks:

  • Accidents and Injuries Golf cart-related accidents are more common than many realize. According to the Consumer Product Safety Commission (CPSC), golf cart accidents in the United States in 2023 resulted in 26,279 trips to the emergency room, a 73% increase from 2014[i]. The lack of safety features, such as seat belts and reinforced frames, makes golf carts especially vulnerable to collisions. Common accidents include rollovers, collisions with other vehicles or stationary objects, and incidents involving pedestrians. The severity of injuries can range from minor cuts and bruises to serious head trauma and broken bones.
  • Liability Issues Even if you are not driving your golf cart at the time of an accident, you may still be held liable as the owner. Many states have negligent entrustment doctrines, which means if you knowingly allow your golf cart to be used by a minor or someone who is intoxicated, you can be considered to blame both legally and financially. In Florida, the additional dangerous instrumentality doctrine only requires ownership to ascertain responsibility. Understanding local laws and regulations is crucial to avoid legal complications.
  • Property Damage From damaged fences and landscaping to collisions with vehicles, golf carts pose a risk to property. Repairing such damage can be costly, especially without insurance to cover the expenses.
  • Fire Hazards Improper charging practices and faulty components have led to incidents of golf cart fires. These fires can cause extensive damage to homes, garages, and personal property.

Emergency Room Visits Resulting from Golf Cart Accidents, 2014-2023

[i] Most Recent 10 Years (2014 - 2023); Product Selection: Golf Carts, Motorized Vehicle (1213); Consumer Product Safety Commission. National Electronic Injury Surveillance System 2014-2023 on NEISS Online Database, released April, 2024. Generated at https://www.cpsc.gov/cgibin/NEISSQuery/home.aspx. on: December 18, 2024.

Stay On Course: Essential Safety Measures for Your Golf Cart

Ensuring the safe operation of your golf cart is crucial for minimizing risks. Here are some tips to keep you and your passengers safe:

  • Limit Passengers and Follow Weight Restrictions: Avoid overloading your golf cart, as this can impact stability and braking. Always check your golf cart's weight capacity, including the combined weight of passengers, cargo, and accessories.
  • Obey Traffic Laws: Treat your golf cart like any other vehicle by adhering to local traffic regulations. Ensure you have the proper permits or registrations if required by your area.
  • Avoid Pedestrians: Don’t drive on sidewalks and choose routes that minimize contact with walkers. Use designated golf cart paths when available.
  • Reduce Speed: High speeds increase the likelihood of rollovers and collisions. Keep your speed manageable, especially on sharp turns or uneven terrain.
  • Stay Alert: Avoid distractions such as using your phone or eating while driving. Stay focused and always be aware of your surroundings.
  • Perform Regular Maintenance: Check the brakes, lights, tires, and battery. Replace worn-out parts immediately to avoid potential accidents. Look for signs of wear, such as corrosion, leaks, or bulging. Damaged batteries are more prone to overheating and sparking.
  • Charge Your Cart Properly: When possible, charge your golf cart outside your home at least 5 feet away. Use a well-ventilated area to prevent the buildup of harmful gases. Avoid overcharging your cart’s battery. Many fires result from batteries left on the charger for extended periods. Consider investing in a smart charger that automatically shuts off when the battery is fully charged. Ensure your home has working and current carbon monoxide alarms (not expired). [For additional tips, visit the Palm Beach County Fire Rescue website.]
  • Install Safety Features: Consider adding seat belts, mirrors, and lights if your cart lacks them. Additional upgrades like turn signals, horn, and a backup camera can further enhance safety. Add a fire extinguisher rated for electrical fires near your charging area.
  • Be Weather-Wise: Avoid driving in poor weather conditions such as heavy rain, strong winds, or icy roads. Wet or slippery surfaces can drastically reduce your cart's traction and control.
  • Secure Your Cart When Unattended: Use a lock or wheel clamp to deter theft when your golf cart is parked. Store it in a secure location, such as a garage or designated storage area.
  • Educate Passengers: Ensure that all passengers understand and follow safety rules, such as keeping arms and legs inside the cart and avoiding sudden movements that could affect balance.
  • Understand Minimum Age Requirements: Many states set a minimum age for operating golf carts, often ranging from 14 to 16 years old, depending on local regulations. Be sure to check your state's requirements and ensure young drivers are familiar with safety rules and traffic laws before they get behind the wheel.

The Importance of Golf Cart Insurance

Given the risks, insurance is a proactive and essential step for you as a golf cart owner. Here’s what the right coverage can offer:

  • Liability Coverage: Protects you from financial responsibility if your golf cart causes damage or injury, including legal defense costs in case of a lawsuit.
  • Property Damage: Covers repair costs for damage to your golf cart or other property, sparing you from hefty out-of-pocket expenses.
  • Medical Payments Coverage: Helps cover medical expenses for you and your passengers in the event of an accident.
  • Comprehensive Coverage: Protects against non-collision risks like theft, vandalism, and fire damage.
  • Uninsured/Underinsured Motorist Coverage: Covers expenses if you’re involved in an accident with someone who lacks adequate insurance.

As golf carts become more integrated into daily life, their associated risks can no longer be ignored. By understanding these dangers, adopting proactive safety measures, and securing the right insurance coverage, you can ensure that your golf cart remains a source of convenience and enjoyment—not a liability.

Stay safe, drive responsibly, and protect your investment on and off the course.

 

This article is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.