Quote:
Originally Posted by npwalters
OK, so there are a few "I was told by my ....." stories, several wanna be cops, several virtue signalers who apparently have never gone 1 MPH over the limit in their car, one psycho that apparently thought this was a question about taxes, a few that restated the law I acknowledged in my OP, and NO ONE that can cite an actual case where an insurance company refused to cover an individual due to a governor being adjusted.
Let's let this thread die now please.
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It was unclear from your original post that you understood the law. The speed you were traveling makes no difference and the setting from the dealer makes no difference - if the police have the cause to inspect your cart and it is capable of going faster than 20mph then it is an LSV and falls under those rules and regulations.
If I remember correctly there were three examples of violations mentioned and one first-hand account where insurance was involved. (though two of those stories sound suspiciously similar) That might be the best you can hope for on ToTV, particularly when you are asking for personal stories that some would be embarrassed to admit.
Your insurance question is going to depend on the circumstances and your particular insurance company. At least one of the stories told of an insurance company that did pay a claim. Great, let that story comfort you if that's what you are after.
I haven't bothered to dig my policy out to read through it but my expectation is that certain coverages exclude damages caused through illegal activity. I would worry that the company might learn that the "golf cart" that I listed on the policy and paid premiums for was actually an LSV, might determine that I was attempting to commit fraud against the company, and might nullify any coverage that I thought I had. (Again, I haven't looked closely at my policy) Perhaps that is all crap and the insurance company would cover me regardless of my actions but I doubt it and that's why I'm not going to push my luck to find out. But if you believe it's all just an old wife's tale, have at it.