[Pturner]

Originally Posted by bimmertl

This isn't about statutes, it's about an insurance policy. It's important to recognize they are two entirely different things.

My golf cart is insured on a "recreational vehicle" policy. The policy defines a "recreational vehicle" as a "motorized all terrain vehicle, amphibious vehicle, dune buggy, golfmobile, snowmobile or trail or minibike". It's a modified auto policy designed to insure the vehicles mentioned. The described vehicle on the policy is a 2006 Yamaha golf cart.

So the golf cart meets the definition of a rec vehicle for coverage purposes. There is no language in the policy stating "this coverage does not apply if the described vehilce has been modified to exceed the speed of some, or most or a few golf carts or if it needs to be licensed. There is no policy exclusion, endorsement or definiton that strips coverage for a golf cart that goes 20.1 MPH.

In addition, if you golf cart goes 19mph it's already been modified to go faster than the factory set speed which is 12-14mph. So according to this "theory" it's already in violation of the non existent policy language.

Have your attorney friend who "specializes" in golf cart claims recite the policy language. It's clear he doesn't specialize in insurance coverage issues.

The statements that you will be ticketed for not registering an LSV are true. However, this isn't about violations of the motor vehicle code or statutes, we are discussing coverage on an insurance policy.

What's next, the med pay section of the policy contains "death panel" language?

How does the cost of a recreational vehicle policy compare to golf cart insurance?