Do you need insurance for golf cart in Myrtle Beach SC?

Answer 1

It depends on where you are going in SC. All campgrounds that allow electric Golf carts require the owner to have a $50,000 liability policy. These tend to run from $50 to $100 a year and some agents offer a six months policy as well. If you intend to drive your golf cart on any of the secondary streets you will need to get a permit from the SC Dept. of Transportation. I believe the cost of the sticker is around $5.00 and you must have proof of insurance as well unless you apply for the following:

South Carolina offers drivers of any vehicle an "Uninsured Motorist" option to drive legally without insurance. If there are no convictions or offenses against your regular South Carolina driving record, you can apply to the South Carolina Department of Motor Vehicles for the privilege to drive your golf cart without insurance. The cost of this privilege is $550 per year, and does not release you from financial responsibilities in a wreck. This registration just allows you to legally drive without insurance.

This seems rather useless when the cost of the insurance is so cheap. One thing to keep in mind is underage drivers. In SC you must be 16 and hold a valid drivers licenses to drive a golf cart. While some states offer valid licenses to those under 16--if you get stopped by one of the local town police and are under 16, you will be given a ticket and subject to having the cart towed.

In Oceanlakes campground the fine for underage driver is $50and you lose the use of the golf cart for the rest of your stay. If you are using a lease owners golfcart you pay the $50 fine and the owner could use his/her opportunity to keep a golf cart in the campground.

Golf Carts are popular in Myrlte Beach and the rules are strickly enforced. As of right now you cannot drive a golf cart on the beach areas, however a new policy should go into effect Fall 2008 that would allow golf carts on the beaches from October to May.