i am very surprised that the moderators allowed this thread to remain. It would seem that this is a topic left to the experts. I'll make a wager that if you asked any insurance expert or lawyer their opinion on this topic they would reply "it depends on the facts"
Now it would seem that some folks are making a lot of noise over the difference of 5 mph more . The problems I encounter with speed are those individuals that are under the speed limit blocking those behind creating a backup of vehicles like the guy yesterday on 466 in the left lane at below 35 mph or the lady in front of me on way home from golf who was at 12-13 mph because she was so busy jawing with her friend. Does jawing with your friend and having an accident disqualify your insurance coverage probably not but it much more of a risk hazard than an additional 5 mph on a cart an increase that often isn't even utilized except to pass 12-13 mph carts
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