Quote:
Originally Posted by bimmertl
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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I said ask the sheriff's department about it because they were the ones who said at the safety seminar what has happened to golf cart owners in the past. If they were lying about it I can't say. That is why I said to ask them. They gave a bunch of statistics about tickets and accidents at the seminar, and they also stated that people have lost their retirement income due to having a modified cart that the insurers wouldn't allow coverage on.
The Allstate agent stated that when one of their carts was in an accident that they checked first to see if it had been modified. She of course didn't mean radios and fans. I think most of us can easily understand the meaning to be modified for extra speed. The man who manages Cart World was there, and he stated that they get them brought in by adjusters pretty regularly to have them check to see if they have been modified.
My question here is, why is everyone doubting the veracity of all this? If you think these people were lying, call them and ask them for the truth. If you think I am making all of it up, go to the next golf cart safety seminar. There were about 100 people at the one I attended, and I think they would all verify that what I posted is in fact what was said. Am I a fool for believing them over a bunch of TOTV lawyers?