Quote:
Originally Posted by Y5clm
No 'bad' marks on my driving record. I just don't have one now. I can't pass the eye test.
The villages insurance said non linse persons are covered on my Formost Golf Cart policy.
However, if a doctor has said I should not drive a golf cart they may deny the claim.
I wonder how they would research THAT. It is so subject to opinion and frankly I take it to mean I may have issues getting the claim covered if I should ever need this.
Now what does that mean to everyone else? It COULD mean that if you had an accident on your golf cart, the insurance company may say they won't cover your claim if you have a condition they determine that may lessen your ability to drive. It could mean arthritis that slows your movements, it may mean hearing loss because you can't hear other carts or cars. it may include medicines that slow your thinking like benedryl.
I say it is a slippery slope to allow insurance company's to deny a claim if it isn't specifically in the fine print.
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The insurance company can only do what's outlined in the policy. There is no language in the policy, or the "fine print" which would allow them to deny coverage under the circumstances you described. No doubt insurance carriers would love to have language that allows them to deny coverage for drunk driving, but that isn't there.
If they did uncover such an issue, you would most likely be cancelled, but they can't do that retroactively unless you lied on the application for insurance, and if you told them the truth at that time, they wouldn't have issued the policy.
So if your golf cart insurer would not have issued you a policy on your golf cart because you couldn't pass the DMV eye test, you could have a problem. But if they knew that problem existed and issued the policy anyway, it's a non issue.