[downeaster]

Based on the numerous threads, Daily Sun articles, quotes from Sheriffs' Departments, HOA, etc., I think most of us understand the law (s) regarding carts that are capable of exceeding 20 MPH. They are unregistered motor vehicles. We are aware of penalties regarding infractions.

Let's talk insurance (or lack thereof). Let's say Mr Retiree buys a "golf" cart that is modified or he has it modified, to exceed 20 MPH. On his way to a round of golf he is involved in an accident doing major damage to his cart. His cart is removed for repair. He calls his insurance company and they send an adjuster to examine the claim. Adjuster sees it has been modified (these folks know their business) and insurer challenges the claim based on the fact they agreed to insure a golf cart not an unregistered motor vehicle, in accordance to the statements in the original application which Mr R signed.

I could make this example more involved by making it Mr R's fault and toss in serious bodily injury as well as the cart still under factory warranty.

If you refer to your insurance policy you may see clauses dealing with "fraud or misrepresentation", "duty to report policy changes", "cancellation".

I would not feel comfortable driving a cart that is capable of exceeding 20 MPH. It is not worth the few minutes I may gain.

Now, let's hear it from you.