Here's a look at how each coverage in a golf cart insurance policy works:

Property damage liability. If you are found legally responsible for an accident where your golf cart damaged another person's property —their car or house, for instance —this coverage may help you pay to repair the damage.

Bodily injury liability. If you cause an accident with your golf cart that hurts another person, this coverage may help you pay for the other person's medical bills and other related expenses.

Collision coverage. This coverage may help you pay for repairs to your own golf cart, regardless of who is at fault, if you collide with another cart or object in an accident.

Comprehensive coverage. If your golf cart is stolen or damaged by something other than a collision —fire or hail, for instance —this coverage may help pay to repair the damage.

There are other bells and whistles you may be able add to an insurance policy, too. For instance, some insurers offer coverage for custom parts like headlights or a stereo.

And, you may be able to increase your liability coverage limits above what's provided by a golf cart policy if you purchase a separate umbrella insurance policy.

As with any insurance policy, cover age limits will apply. A limit is the maximum amount your policy will pay toward a covered claim. You may also need to pay your deductible, which is your share of a covered claim.