There are a lot of other issues raised in the article beside the speed issue.
Like a previous poster, we insure our golf cart under an Automobile policy, which seems to be the broadest way of covering the cart, including having an Umbrella Liability policy on top of it. Homeowner's policies have a lot of limitations or exclusions and we chose not to investigate a separate cart policy due to the desire to have coverage apply under our Umbrella Liability policy.
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