There is also another 800 pound gorilla in the room.
If you have a cart that exceeds 20 mph, you may hot have insurance coverage even if you pay for cart insurance, simply because you are no longer operating a golf cart as that is defined in the law. That could mean that if you have an accident for which you are found to be liable, in whole or part, all of your assets may be attached for payment of any damages caused. I might add, that this scenario applies even if the accident occurred when you were operating it at under 20 mph.
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