I don't have an Allstate policy . However my policy is clear on the subject. I am not going to dig it out but it says, in essence, that tampering or changing factory settings and/or specifications will void the policy. If I were to replace the motor it would have to be the same as the original equipment. Replacing the 8" tires with 10" tires would be in clear violation of the terms of the policy. Adjusting governors, changing gear ratios, etc., etc, will also violate the he terms of the policy.
I am probably repeating someone else but the policy does not have to spell that out. The insurer is insuring a golf cart. When it is altered to exceed 20 MPH it is no longer a golf cart but an unregistered motor vehicle.
Insurance companies do not like paying claims. That is one reason for adjusters. They are going to examine a cart that has been in an accident, regardless of fault. And if they can find cause to void the policy and return the premium instead of paying a claim not only will they do it, they are obligated to do it
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