"If so there will be a hefty extra premium or you will need to submit an affidavit to the effect it will not exceed 19.9 MPH and you have it insured as an off road vehicle."
You are probably right. My cart would have no problem with the 19.9 mph requirement and I do have a separate golf cart insurance policy. I worked too long and too hard to have my savings taken by someone's lawsuit. On the other hand, I can increase my bank account by suing some toad who causes me injury with their negligence on their souped up cart or by letting their grandkids drive unsupervised.
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