Insurance companies depend on the applicant furnishing correct information. If you apply to insure a golf cart and that cart is capable of exceeding 20MPH you have actually applied to insure an unregistered motor vehicle as that cart is no longer a golf cart in the eyes of the law. If you are subsequently involved in an accident, regardless of fault, the insurance company has grounds to deny the claim. Insurance companies are not known for paying claims they can deny.
If you are driving a rental cart or a loaner, make certain it is legal and properly insured. If you own a cart that is capable of exceeding 20MPH you are taking unnecessary risks. Letting someone else drive it only increases the risks.
I agree with rubicon in a previous post. Maureen O'Toole's bill will not be ignored by the insurance companies.
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