Don’t get Caught in the Sand Trap
Get Golf Cart Insurance
Any person who owns a golf cart must get this insurance. You wouldn’t drive a car without insurance because it would leave you vulnerable to legal and medical costs in the result of an accident. The same is true of golf carts. It is absolutely necessary for you to have the correct insurance to make sure you are protected. The cost of insurance is slight compared to the cost of not having it.
If you want to use your golf cart at any golf course, you are required to bring your insurance paperwork.
What typically does this insurance policy cover?
Golf cart insurance covers the vehicle for accidental damage caused by collision, adverse weather, fire and theft. The cart will be insured at a number of places that the insurer would approve the unrestricted use of a golf cart (i.e. golf courses, country clubs and gated communities).
Golf cart insurance also protects you from any medical costs or legal costs derived from a claim made by a third party.
Additional coverage for a golf cart insurance policy
Golf cart insurance is fairly standard with very few additions available. The best addition you can get to your policy is to also apply for general golf insurance as that will cover you while you are playing golf and not just when you are driving your cart. You never know when a hook or slice can get you in trouble.
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Crop Insurance is the largest single source of financial protection to farmers
There are two kinds of crop insurance: crop-hail, which is provided by the private sector, and Multi Peril, an all-risk coverage underwritten by the private sector and the federal government and serviced mostly by the private sector. Crop-hail insures against loss of the value of a crop as a result of damage by hail. Multi Peril insurance covers loss of crop value as a result of all types of natural disasters, including drought, excessive moisture and unusually hot weather.
There have been sweeping changes in the federal Multi Peril crop insurance program in recent years. Up to 1995, only about one third of farmers bought federal Multi Peril crop insurance because, in the event of a disaster, they could generally rely on Congress to bail them out with disaster assistance and emergency loans. With the passage of reforms in 1995, Congress made it harder to justify legislation granting disaster. It also took other steps to encourage farmers to buy insurance against loss of income due to natural disasters, requiring new types of products, such as revenue protection, to make crop insurance more attractive and subsidizing a portion of the basic traditional coverage that protects against loss of yield.
Call or visit a friendly Stonebraker McQuary agent to find out more or get a quote.