Standard policy rescision language.
They issue you a policy based upon your statements on the application. If you have mislead them regarding your eligibility and if the facts you mislead them about would have caused them to not issue a policy, they may void the policy. Changing the speed on your golf cart isn't going to do that. And the fact you should have been in a different rating class isn't a material fact either. When you child turns 16 and starts driving and has an accident, the rating changes. But if you don't call your agent for 6 months they still get coverage for the accident whether or not the company knew of the change in class.
Why would you ask the sheriff any question about insurance policy coverage? Or for that matter, the Allstate agent who speaks for all insurance companies in existence?
My neighbor just put on expensive wheels and larger tires on his cart along with a radio, fan and even a heater. I guess he's screwed if he has an accident since he "modified" his cart.
Can't wait for the next expert opinion!
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