Carriage Hill Insurance of Chattanooga

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Proud to live in our country and our city. Wishing everyone a great holiday.
09/07/2026

Proud to live in our country and our city. Wishing everyone a great holiday.

Golf Carts – Are They Legal on Public Streets? What If Children Drive Them? Public vs. Private Neighborhood StreetsPubli...
09/01/2026

Golf Carts – Are They Legal on Public Streets? What If Children Drive Them?

Public vs. Private Neighborhood Streets

Public Streets: Neighborhood roads maintained by the city or county are considered public roadways. Under state laws, standard golf carts lack a vehicle identification number (VIN) and federal safety features, meaning they cannot be registered for public road use by default.

Private Communities: If your neighborhood has private, gated roads owned and maintained by a homeowners association (HOA) rather than the public government, standard golf cart use is usually governed by HOA rules rather than state highway laws.

The "Street-Legal" Distinction: If you want to drive on public neighborhood streets without relying on a special local town ordinance, the vehicle must be a Low-Speed Vehicle (LSV) rather than a standard golf cart. LSVs come from the factory (or are heavily modified) to meet federal safety standards, including: headlights, taillights, turn signals, seatbelts and a windshield. A 17-digit VIN, a license plate, and auto insurance are also required.

If Licensed for Road Used: The cart should be scheduled as a miscellaneous vehicle on an auto insurance policy. If they have a license plate, only legal drivers should be driving them.

If Not Licensed for Road Use: Insurance coverage will extend off the home policy but solely to service the residence premises. If it leaves the residence premises then it should be scheduled on an auto policy to receive coverage.

Unlicensed Children Driving the Cart: While seemingly innocent, this opens the cart owner up to personal liability exposure – liability which insurance does not cover.

Had family in town this weekend and showed them a great time around Chattanooga.
08/25/2026

Had family in town this weekend and showed them a great time around Chattanooga.

Proud to receive the Founders' Award from Erie insurance for 2025. With me is Chrissie Nutter, their district manager.
08/19/2026

Proud to receive the Founders' Award from Erie insurance for 2025. With me is Chrissie Nutter, their district manager.

08/12/2026

Water heater warning!

First time at Erlanger Park. It really is a stadium to be proud of. The best.
08/11/2026

First time at Erlanger Park. It really is a stadium to be proud of. The best.

Thank you, Jeff! We appreciate you.
08/07/2026

Thank you, Jeff! We appreciate you.

07/30/2026

Have an E-Bike? Listen up.

Thank you for the review, Carol!
07/15/2026

Thank you for the review, Carol!

07/10/2026

If your business is forced to temporarily close, what happens to your revenues?

Address

Chattanooga, TN
37341

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

(423) 326-0033

Website

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