Does car insurance cover golf cart accidents? Generally, car insurance does not cover golf cart accidents. Following a golf cart accident, seek legal help.
Let a Las Vegas golf cart accident lawyer review your case. They can help you get money for your losses from any liable parties or their insurance companies.
A Golf Cart Accident Could Be Covered Under a Premises Liability Claim
Instead of using car insurance to cover a golf cart accident, you could be protected financially under someone’s homeowner’s insurance policy. For example, someone is riding a golf cart on their property and crashes into you. A Las Vegas premises liability lawyer could help you secure damages for the costs of treating your injuries and other losses.
In a golf cart accident claim, you could ask the vehicle’s owner to provide compensation under their homeowner’s coverage. Unfortunately, even if this individual has appropriate coverage, their insurer may dispute your claim and say you are to blame for your accident and injuries. Or, the insurance company could offer a lowball settlement.
The legal team at H&P Law has more than six decades of combined experience. We can explain the relationship between car insurance coverage and golf cart accidents. If you were injured in a golf cart accident, we can calculate your personal injury settlement value and, if warranted, submit a premises liability claim for you. Contact us to learn more.
A Golf Cart Owner Could Buy a Separate Insurance Policy That Covers Your Accidents and Injuries
In Nevada, insurance is required for golf carts classified as “low-speed vehicles.” Per Nevada Revised Statutes § 484B.637, a low-speed vehicle typically has four wheels, can travel at a speed of up to 25 miles per hour, has a gross motor vehicle weight of less than 3,000 lbs., and complies with a Federal Motor Safety Standard.
Golf cart insurance can provide coverage for bodily injuries, property damage, and collisions. For instance, an individual slams their golf cart into you, and you suffer a catastrophic injury. A Las Vegas catastrophic injury lawyer can negotiate a settlement with the liable party’s insurance carrier. This settlement could cover your current and future medical bills.
According to Nevada’s statute of limitations, you have two years from the date of a golf cart accident to seek compensation from any liable parties. A personal injury attorney can provide insights into whether auto insurance includes coverage for golf cart accidents. They can submit your compensation request promptly and argue as to why you deserve damages.
What It Takes to Get Compensation from an Uninsured Golf Cart Operator
Since car insurance coverage for golf cart accidents is unavailable, you may have to file a personal injury lawsuit to get money from any liable parties. A golf cart accident attorney calculates your losses. They look for ways to help you achieve the optimal case results.
Your attorney can file your lawsuit and represent and advocate for you throughout your case. They want to make it clear to a judge or jury that a golf cart operator is 100% responsible for the accident and injuries. As part of their efforts, they may gather evidence from a wide range of sources.
Accident scene photos, witness statements, and other proof can strengthen your case. If you have an abundance of proof, an at-fault party may be inclined to propose a fair settlement. Alternatively, if you present your evidence during a trial, a judge or jury may be inclined to award full damages.
The Burden of Proof in a Golf Cart Accident Case Is Significant
It is your responsibility to prove that a liable party acted negligently and caused your golf cart accident and injuries. Your attorney understands the burden of proof and its impact on your case. They want to show that the following elements of negligence were present when your accident occurred:
Duty of Care
It is reasonable to expect a person driving a golf cart to operate their vehicle safely. By doing so, they can avoid accidents that could lead to injuries or fatalities. Therefore, a golf cart operator has a duty of care, which is a legal obligation to avoid any acts of carelessness or recklessness.
Breach of Duty of Care
A golf cart operator violates their duty of care by committing an act that most people would consider to be careless or reckless. As an example, a golf cart operator may be intoxicated. If this operator chooses to get behind the wheel of the vehicle while under the influence of drugs or alcohol, they are violating their duty of care toward others.
Causation
Proving causation requires you to link someone’s breach of a duty of care to your golf cart accident. In their argument, your lawyer will attempt to show that because a liable party had a duty of care and chose to violate it, they caused your accident.
Damages
It is not enough to say that someone caused a golf cart accident and should be held accountable for it. You must verify that you are dealing with quantifiable or subjective losses due to an at-fault party’s actions. With your lawyer’s help, you can use medical bills, pay stubs, and other evidence to highlight your damages and why a liable party should have to cover them.
There are scenarios when plaintiffs are to blame in golf cart accident lawsuits. If the court finds you are partially at fault, what you receive in damages can be reduced by your percentage of fault. This applies if you are 1-50% to blame. In a situation where you are more than 50% liable, you may be ineligible for damages.
Get Legal Help with Your Golf Cart Accident Case
The H&P Law team can answer questions about whether car insurance covers accidents on golf carts and other legal topics.
If you are considering a golf cart crash lawsuit or are ready to file one, we can assist. Give us the opportunity to help you with your golf cart accident case. Request a free case consultation with us.
