Cowart Insurance agency
Summer is a wonderful time of year when families and friends create everlasting memories and embark on fun and wild adventures. For most, summer is their favorite season of them all, filled with golf carts, jet skis, boats, four-wheelers, and more. Cowart Insurance Agency vows to ensure that you and your family’s summer is unforgettable, entertaining, and most importantly, safe for all. Knowing the proper etiquette and safety when using these adrenaline-inducing vehicles is vital in accomplishing every family’s number one goal of safety.
Golf carts play a huge role in the community of Traditions. An exchange of a smile and wave between all neighbors on golf carts can always be expected. They are a refreshing way to travel short distances within the area while soaking in the warm summer weather. Whether you’re out golfing, visiting friends, getting some fresh air, or just driving around for fun, here’s some advice from Cowart Insurance regarding golf cart safety and protocol to keep in mind during the upcoming months.
Remember, Golf cart drivers are subject to the same rules of the road as any other motorist; this includes speeding (the top speed in Traditions is 25 miles per hour), texting and driving, driving recklessly, failure to stop, or yield, and driving under the influence. Only licensed drivers – aged 15 with a learner’s permit or 16 and older with a valid license – are permitted to drive a golf cart alone. All unlicensed drivers – 12-years of age and older – must be accompanied by a licensed adult of 18 years of age or older. Under Georgia law, no child under 12 is permitted to drive a golf cart, and please discuss road safety with your young golf cart drivers before they get out on the road. The American Journal of Preventative Medicine has reported that one-third of all golf cart accidents and injuries involve children too young to be behind the wheel.
To respect your neighbors and community, do not go off-roading in your neighbors’ yards and common areas, and try not to make excessive noise near other properties, especially during earlier and later hours. Do not travel on the golf course paths unless playing golf with a scheduled tee time, as it will interfere with those who have reserved a time in advance. Maintain your vehicle in your lane and be conscious of your surroundings – even if you believe that you’re the only one on the road.
Make sure that your golf cart is fully fueled or charged to complete your travels before you go anywhere, and always yield to pedestrians, as they have the right of way. Please do not operate your golf cart after dark unless it’s equipped with proper headlights and taillights, and especially do not drive your cart if you hear thunder or see lightning. Only carry the number of passengers for which your cart is fitted, and all passengers should keep all limbs inside the vehicle at all times. And lastly, always remind yourself to fully engage the parking brake and remove the key before leaving your golf cart.
Cowart Insurance Agency has been serving Braselton for years and knows a thing or two about what to do and not to do when keeping one’s family as safe as possible during spontaneous activity. A golf cart ride doesn’t seem dangerous until it is, and sharing preventative information is just one of the many ways that Cowart protects the Traditions community. If an accident, unfortunately, does happen, your financial stress will be minimized by the Cowart Insurance team in each way possible that caters the best to your individual situation.
Most specialized vehicles aren’t covered under your standard auto or home insurance policy, especially when you aren’t on your own property. What’s more, many national, state, or other public parks require specialty vehicle riders to be properly insured. There are several factors can affect the cost of insuring a specialty vehicle. So how can you keep your rates low?
Be safe. If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
Own and Insure More Than One. With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy.
Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:
Collision coverage pays for covered damage to your vehicle when in a collision with another vehicle or other object.
Property damage liability coverage insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
Bodily injury liability coverage insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
Comprehensive physical damage coverage pays for covered losses resulting from incidents other than collision – like fire, theft, or vandalism.
Let us help make sure you’re covered when you hit the trail. Talk to us today to find out how to get the best price and value on the Lawrenceville motorsports insurance that’s right for you.
Cowart Insurance Agency provides Off-Road Vehicle Insurance to all of Georgia, including Lawrenceville, Suwanee, Buford, Sugar Hill, Dacula, Hoschton, Braselton, Flowery Branch, Jefferson, and Winder. Pledging to stay safe when participating in outdoor activities makes them more enjoyable for all. As an Independent Insurance Agency, we can provide a selection of Insurance companies to choose from when purchasing coverage for your recreational vehicles. Cowart Insurance has your back when looking for coverage that matches your lifestyle and level of adventure.
