Your golf cart being covered under a Recreational Vehicle policy means nothing with respect to this discussion. My golf cart was also covered under a similar policy with Allstate and I suspect that was a catch-all classification for a variety of vehicles. My EZ-Go was clearly not a Winnebago. Just like your Smart Car is not a Rolls Royce but they are both Automobiles. If you informed your Agent that your application for insurance was for your "golf cart" then it should meet the definition of a golf cart as specified in the Florida Statutes. If it has been modified to drive at speeds higher than stated in the Statute, then you are driving an unregistered vehicle and have misrepresented the vehicle in your application. Seems logical to me, that your insurance company might not back you up for any claims on a vehicle that you misrepresnted.
Of course I may be wrong and that's no problem for you but if you are wrong about this, then you own the problem.
|