Just wanted to verify what Serge stated. Was in insurance claims for over 20 years...if the golf cart has the capability to exceed 20 MPH your recreation cart policy will not cover any claims even if you were going less than 20 at the time of the accident. Most rec policies will state coverage will not apply if the "......recreation vehicle would be SUBJECT to registration as a motor vehicle...etc..". So those who exceed 20 MPH are in reality driving with no insurance coverage. So suggest.....reading your recreation vehicle insuring form,
and/or HO policy, whichever applies.
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