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 MPH.
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Nice quote, but...
Define modified. In my opinion and for your information our carts are modified. Prior to modification, they would only do about 12 mph. Gears have been changed (modified). Tire size increased for the purpose of speed. (modified). I am sure that that's not all. My cart is as it came from the show room. For the most part, it'll bounce between 19 and 20 mph. If I keep the peddle to the metal for some distance it can hit 22 but that takes a lot of "ideal" conditions. I had it in for annual service last week. I rechecked the speed. It hit 23 (for less than a second) on a steep down grade, "floored". I asked about this and was told "that's about right. These things can't be adjusted that accurately and speed changes with time." So, just what is "modified?" Am I going to jail? Are the speed traps for "revenue enhancement"? Do the insurance companies plan to use these "modifications" as an out if the claim gets too big?
I never intend to brake the law. Do I speed? No but I bet that on occasion my golf cart does.
Maybe I need to get rid of my golf cart and get a bike. Where do I put my clubs? If I have to stop too often I loose my balance but I guess that's what helmets are for. Can I get a ticket for running a stop signe on a bike? What if I speed going down hill?
Oh CRAP. I thought retirement was going to be fun.
Just some thoughts
Yoda