Quote:
Originally Posted by bimmertl
Not true. Most policies are written very broadly to cover a multitude of recreational vehicles. State Farm, the largest auto and boat insurer in the US, issues a "recreational vehicle policy" which applies to a multitude of rec vehicles. The policy lists your described golf cart as the insured vehicle and covers that specific vehicle which is called a "golfmobile" in the policy. In order to not be covered, the policy would have to strip coverage for modifications to the vehicle either by a change in the definition or by an exclusion listed in the liability coverage section. It's not done in the policy and coverage applies even if it's modified to go faster.
I attended the Villages golf safety course and listened to the insurance agent who was there make the statement there isn't any coverage if it's "modified". I was going to ask her for specifics after the meeting but there were people lined up to talk to her so I ultimately didn't.
Arguably putting larger tires on the cart or even a bug screen is a modification to the cart so then what?
Take a look at your golf cart policy. See where it lists the described vehicle and look at the policy definition of a golf cart, rec vehicle, or whatever. Then look at the liability section of the policy. There will most likely be two sections, one stating when and where liability coverage applies, and then the exclusions section which states something like "when liability coverage doesn't apply". Look for language limiting or stripping coverage if insured vehicle is modified. Doubt you'll find such language.
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This may be true but lets set aside the insurance part for now. If you modify the cart to travel greater then 20 MPH. The cart is now, by state law not a golf cart. You can do what you want with the Vehicle on private property. Once you cross on to a public road, if you get caught, you will be cited for operating an unlicensed vehicle on a public road. Should you have an accident you now enter into another problem. Will or will not your insurance company cover you, you are going to be cited, you are going to court, your going to be fined, and you may be liable with no insurance coverage. Why would you want to take that risk? Also the top speed I believe allowed for an LSV is 25 MPH. So for another 5 MPH you will put yourself at risk. I have a hard time understanding that decision.