As I understand it, if your cart CAN exceed 20 mph on flat ground, it is no longer a golf cart but a Low Speed Vehicle. It must be inspected for safety features such as wipers and seatbelts. It must be insured. It must have current law license plates. It's maximum speed is 25 mph. It may be driven on roads that have a 35 or less speed limit.
If caught by a policeman, you will be charged with operating an unregistered motor vehicle and it is an extremely expensive thing.
If I am incorrect, please let me know. Thanks.
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