Quote:
Originally Posted by Ohiogirl
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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I agree with Ohiogirl, and what she says about insurance is pretty much what the Allstate agent said at the safety seminar. I think the bottom line is that one can do as one pleases. Pay someone to illegally alter your cart to go faster. According to the police it isn't illegal for them to alter the cart, but it is illegal for you to drive it after they do. Strange, huh? But do so with the knowledge that you may end up in some big time financial difficulties if you choose to do so because your insurance may be useless.
We all have the right to question any law and complain about it. I do it all the time. But I just don't have it in me to go out and break the law just because I disagree with it.
As far as Villagers getting caught speeding, I sympathize with them. A lot of them have carts they bought not knowing they were altered. We rented a house when we first got here. It came with a Yamaha gas cart. It was the first time we had driven a gas golf cart, and I noticed I was constantly tailgating people with it, so we took our gps out one day and checked the speed. It was doing 27mph. I don't know what would have happened if we were caught with it, and we can argue from now on who would be responsible. It was definitely insured as a golf cart. The owner required us to buy our own insurance before he agreed to leave it with the rental. We could possibly have been in all kinds of legal trouble if we had been involved in an accident. I'm sure I'm not the only one who has done this, since there are many rentals in TV that include the cart.