Quote:
Originally Posted by ajbrown
I have talked to several insurance companies in the last day or two, including two Allstate agencies. They have all told me that you cannot insure a street legal golf cart with Off Road Coverage. They tell me you must carry Personal Injury Protection.....
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It turns out your sources on this are correct because I decided to follow up and called my agent to talk about it. I was informed that my agent is no longer with the agency. Hmmm, that didn’t sound good.
I was informed by the new agent that an off-road vehicle policy cannot be used to verify proof of insurance for registration purposes because it does not include the Florida required Personal Injury Protection (PIP) coverage. I looked at my policy and sure enough, no PIP coverage. I asked if PIP can be added and he said no.
I then immediately ordered an upgrade to a minimum level auto policy which will be $190 for 6 months. That’s enough time to get my LSV registered and then sort things out. I have to agree with NJblue that the insurance industry has not gotten their act together on this and mistakes are being made.
In the meantime, based on information I found in another forum, I called two different State Farm Insurance agencies including the one in Lady Lake and they say that they can issue me an actual LSV insurance policy including the required pip coverage if I also insure my regular vehicle with State Farm too. They both stated that the cost for the LSV coverage is in the 180-250/yr range depending on how much coverage and the deductable amounts. And that’s what I’ll do once I’m down there.
But check this out yourself for sure.