By Joe Capers With Spring Break and Summer around the corner, a lot of us locals (and our guests) will be out in our golf carts. You might even want to purchase one. Just remember, as there are different kinds of golf carts, which you’ll discover when you go to the dealership and start looking at them, there’s also different types of insurance coverage depending on your vehicle. Let’s shed some light on the differences, coverages and when you need what. To begin with, there are two main ‘uses’ for golf carts/LSVs. Either personal or business/commercial. When your golf cart or LSV is used by you and your direct family members only, that’s considered personal use. If you have a rental condo, for instance, and include a golf cart for your renter’s use, that makes it business/commercial. So, you’re wondering, what’s the big deal? Let’s start with personal use and the two types – golf carts and LSVs. Golf carts are usually electric and have a maximum speed of about 15 mph and are designed to be used on your property or within the community your home is located, and back and forth to the golf course. They aren’t tagged or registered for driving on the street like your car. Some home or condo policies might include minimal golf cart coverage with an endorsement, but this won’t give you everything you need and is not recommended. A separate golf cart policy would give you the best coverage. Next, there... Read More