Quote:
Originally Posted by golfnut
I would like to ask again my question from yesterday again, I would be interested to know if anyone has a golf cart policy issued through Allstate what does it state about speed, I would think it has to be stated in the policy document...gn
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Quoting from my Allstate policy:
We may deny coverage if you or an insured person have knowingly concealed or misrepresented any material fact or circumstance.
The premium for each off-road vehicle is based on information we have received from you or other sources. You agree to cooperate with us in determining if this information is correct, if it is complete, and if it changes during the policy period. You agree that if this information changes or is incorrect, we may adjust your premium accordingly or take other appropriate action.
It seems that if you insure it as an off-road vehicle, it must comply with the state of Florida's definition of an off-road golf cart. According to the police dept. that means 20mph or less. If it has been altered to go faster, I think we can assume the insurance company is not going to cover anything. This would mean that even if you never go over the speed limit and are involved in an accident with an altered golf cart, your insurance company won't pay any claims. At least that's the way I read it.
What it boils down to as far as I am concerned is that it just ain't worth it. Look up the 56 people who were caught in Sumter county over the last couple of months and ask them if it was worth it to them.