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Originally Posted by PJOHNS2654
I got new policy on my 2024 Yamaha Quiet Tech. last week from All State. Today Agent called and informed me that Allstate is no longer insuring 2024 Yamahas as "golf Carts" because of "Safety improvements Yamaha has made to the 2024's, making them LSV's. (Legal Street Vehicles.)
Tried to add it to my Geico Policy and they want $525.00 and that does not include Collision or Comprehensive.
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LSV means Low Speed Vehicle. By Florida definition, it is a vehicle capable of more than 20mph but not more than 25mph.
Adding seat belts to a golf cart does not make it a LSV. Increasing the speed of a golf cart above 20mph *does* convert it to an LSV.
Hard to say what the insurance company saw that triggered the LSV. Could it be a Yamaha standard to set the top speed at 25mph? Doesn't seem likely and not according to their sales page. Could it be the vehicle was configured that way at the dealer and that information was passed to the insurance company? Possibly. Could have been something else too.
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Why do people insist on making claims without looking them up first, do they really think no one will check? Proof by emphatic assertion rarely works.
Confirmation bias is real; I can find any number of articles that say so.
Victor, NY - Randallstown, MD - Yakima, WA - Stevensville, MD - Village of Hillsborough
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