Quote:
Originally Posted by golfnut
there has been a lot of discussion about policies that will not pay if a cart exceeds certain limits, it would be nice if someone could post the actual language in their policy and the name of the insurer so we could all be more informed instead of a lot of hearsay...gn
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This was addressed 2 or 3 weeks ago in another of these threads. At that time I posted the exact language from my Allstate policy. It was also in answer to a similar question from Golfnut, the same person who asked it on this thread. No one commented on it at that time, so I assumed it was understood to have been a valid answer to the question. Here's the link to that post:
https://www.talkofthevillages.com/fo...065#post301065
Here is the quote from my Allstate policy:
This policy shall be deemed void from its inception if it was obtained through material misrepresentation, fraud, or concealment of material fact. This means that we will not be liable for any claims or damages which would otherwise be covered.
We may deny coverage for an accident or loss if you or an insured person have knowingly concealed or misrepresented any material fact or circumstance or engaged in fraudulent conduct in connection with the presentation or settlement of a claim.
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.
This doesn't say word for word what we have been discussing, but it is written in language that will allow the insurance agency to deny coverage if they can show that your golf cart has been modified to increase its speed capabilities. At least that's the way I see it. Are there any lawyers out there who agree or disagree?
I don't expect anyone to take anything said by anybody on this forum as absolute truth. As far as this thread is concerned, if you think that all that is said about insurance and the penalties and the law is hearsay and you are concerned about the truth, it's really easy to call your insurance agent and the sheriff's department and find out. This was all covered in a previous thread and a lot of good information was made available then by people who talked to police and insurance agents.
As far as having a golf cart that will do 25 mph, have at it. You won't be alone as there are many more out there. I strongly suggest speaking to the Sumter County sheriff's office first and asking them if they know of anyone who has been denied coverage because of this and what the results of their being involved in an accident were. They have the statistics. Make your choices based on solid information.