Quote:
Originally Posted by bimmertl
... The bottom line is, show me the specific policy language that strips coverage for a "modified" golf cart...
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You are completely missing the point here. It’s not the fact that modifications were made to the golf cart that can be the basis for denial of coverage. It’s the fact that the vehicle was altered in such a way that it no longer meets Florida’s definition of a golf cart (regardless of what the bill of sale says it is). Here’s the definition:
FS 320.01(22) “Golf cart” means a motor vehicle that is designed and manufactured for operation on a golf course for sporting or recreational purposes and that is
not capable of exceeding speeds of 20 miles per hour.
So if you alter your vehicle in such a way (whether you informed them or not), your
golf cart insurance policy is no longer valid any more than your automobile policy would be for a vehicle that turned out to actually be a tractor trailer.
And as further evidence, I submit that the Sheriff’s department is regularly issuing tickets here to those owners of those altered carts for “driving an unregistered motor vehicle” and it’s being upheld in the courts. So likewise, an insurance adjuster will deny a claim for such a vehicle in the blink of an eye.