Quote:
Originally Posted by npwalters
I know that golf carts are limited by law to 20mph. We all know that it is easy to change the governor and allow it to go faster.
Every time this comes up someone chirps up and states that changing the governor will invalidate your insurance if you are involved in a wreck. Does anyone have any ACTUAL proof that this has ever happened?
The fact that my cart can go a little over 20 does not mean I do go or - if involved in a mishap - was going over 20. My car will go over 100 but as long as I stay at or below the stated limit I'm legal. How would the insurance company know if an owner changed the governor? Who is to say it did not come from the factory as it currently sits?
Bottom line is I'm inclined to believe this is an old wives tale.
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If your question is limited strictly to the matter of insurance coverage and denials of same, although many may have opinions about this subject, the correct answer to this inquiry is to read your policy. If an activity or a circumstance is not excluded from coverage, based upon the terms and conditions of your policy, it should not void your coverage. Questions about how law enforcement may treat any golf cart or LSV, based upon their tracked speed is another matter entirely.
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