Quote:
Originally Posted by Harleyman
I was an insurance broker for forty years in Canada. There is nothing in your policy about your max speed being 20 mph. The only way they would know you were speeding is if a policeman was standing there with a radar gun when you crashed. What are the odds. Setting your speed a few miles over the limit has no effect on your insurance, in my opinion.
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I think that you may have missed a point. The law is not about how fast a cart was going at the time of the accident, it's defines a golf cart as a vehicle not CAPABLE of exceeding 20 mph.
If you insure your golf cart as a golf cart and it is capable of going over 20 mph, you have deceived to the insurance company.
A golf cart that is capable of exceeding 20 mph is defined as a Low Speed Vehicle. It cannot be capable of exceeding 25 mph. It must be registered and insured as an LSV and must have certain additional safety equipment that golf carts are not required to have.
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