Haven't read the policy (I'm a former auto claims adjuster, but my policy has been physically moved to the Villages, and I'm still in Ohio), but my guess is that claims will be denied if the golf cart does not meet the DEFINITION of a golf cart as delineated in the policy.
Coverage is the first thing a claims adjuster is supposed to look at, including definitions. That is why is wouldn't matter how fast the vehicle was actually going (which probably isn't provable anyway).
Someone will probably chip in and say that their claim was paid even though their cart was altered to go 25 mph - well, guess what, might depend on how good or well-trained the adjuster was who handled the claim.
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