Quote:
Originally Posted by EdVinMass
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So if you alter your vehicle in such a way (whether you informed them or not), your golf cart insurance policy is no longer valid any more than your automobile policy would be for a vehicle that turned out to actually be a tractor trailer.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.
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This should be enough to convince anyone. Instead of sniping at others, perhaps the naysayers on this thread would profit by simply checking with the sheriff's department to either verify this statement or find out if they are right in their surmising. It would also be very easy to call two or three insurance providers and ask them about this issue. If they find out they have been wrong, perhaps they will have the good manners to come back to the thread and post apologies.
Here's a quote from an older thread from a couple of weeks ago:
Sumter county golf cart citations 8/1-10/11
Received this from a person who was at the meeting.
I just came from a District 6 meeting at which the Sumter County Sherriff’s Dept. presented the golf cart citations issued between Aug 11th and Oct 11th. There were 64 citations in all, 9 for Ran Stop Sign, 1 for Possession of Open Container – Driver, and 56 for No Motor Vehicle Registration. The No Motor Vehicle Registration meant that the non-street legal golf cart was operated in excess of 20mph while on public road – path portion or otherwise. The citation requires a court appearance. In general, offenders are required to demonstrate to the judge that repairs have been made to limit the cart’s speed to 20mph and pay court costs of $250. At the judge’s discretion, the several hundred dollar fine is waived.
I went to the safety seminar about the time this thread started. The sheriff's deputies there gave the same statistics. People at the seminar were upset about it just like the people on this forum. The deputies stated that if a golf cart is altered to go more than 20 mph, it is no longer a golf cart, but an lsv. The insurance agent and the golf cart dealership owner there confirmed this and said coverage would be denied for an accident caused by an altered golf cart. We can argue about this on and on, but the facts are very simple to obtain. Instead of insulting one another because we don't agree, why not search for the truth? Here's the number for a local Allstate agent: 352-753-4340. I go by what they say because that is who I insure with. I recommend calling one's own agent and finding out their policy.
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