Quote:
Originally Posted by iandwk
To me, the main point is that if you have a modified cart you are not covered by insurance. You may think you are since you paid the premium, but you pay for golf cart insurance. If it is modified, it's no longer a golf cart under Florida law and your insurer will not pay the claims. This is not something I have imagined. It came directly from an Allstate agent at a golf cart safety seminar at Savannah Center. She stated that when one of their insured carts is in an accident the first thing they do is check to see if it has been modified. If it has, they stop their investigation right there and will not pay anything. The speed the cart was going when the accident occurred is irrelevant. The modification nullifies the policy even though the cart may only have been traveling 10mph. End of story. If you are involved in an accident and it is determined to be your fault, it will come out of your pocket. If there are injuries, it can cost you dearly. Your retirement could even be in jeopardy due to medical expenses for the injured party, not to mention the lawsuit that is bound to follow.
I was seriously thinking about modifying my cart before I went to this seminar. Once I got this information, I decided to stay legal. I enjoy my retirement too much to risk losing it so I can drive a golf cart 25mph.
|
These points have been made before and can't be repeated too often. Any one who reads iandwk's message and does not heed it is taking a great risk. It would be like buying a new car and not insuring it. The loss could be catastrophic.
I want to emphasis one of iandwks comments.
"Allstate agent at a golf cart safety seminar at Savannah Center. She stated that when one of their insured carts is in an accident the first thing they do is check to see if it has been modified.". An insurance adjusters job is to make sure the company does not pay any claims that they do not have to.