I heard this story when I attended a Villages golf cart safety clinic. The Allstate agent who was there got up and said it.
I spent over 33 years in the auto claims field. I have participated in writing auto policy language for a major carier. There is no such exclusionary language in any policy that I am aware of. I know for a fact it's not in my policy.
I wanted to talk to the agent after the meeting but there were so many people lined up with questions I didn't bother.
Without writing a never ending diatribe that most readers won't understand, ask the agent or person who makes such claims regarding modified golf carts to point out and qoute the specific policy language that voids coverage if the vehicle is modified. While the vehicle would most likely be rated improperly, resulting in less premium than what should be charged, it's not going to void the policy.
Don't just don't take "it's not covered" as an explanation, ask for the specific policy language which is the basis for such a statement. I'll bet there isn't any.
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