Talk of The Villages Florida - LSV and NEV Question

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gongoozler,

I just checked the USAA web site, auto and home owner insurance is only available to military or retired military people. They do offer all kinds of other financial products.

Quote:

Originally Posted by gongoozler (Post 314443)

I pay $65.97 for six months of coverage . . . so $132/year . . . it includes: Bodily Injury - $300,000; Property Damage - $25,000; Medical Payment - $5,000 per individual; Uninsured bodily injury - $300,000; Comprehensive loss with $1,000 deductible; and Collision loss with a $50 deductible. I have my insurance through USAA. At one time USAA was reserved for military officers but the company is pretty open now but as a former officer I do receive a special 12% of premiums back so my actual insurance bill for the LSV is $116 when you consider the dividend check I get at the end of the year.

:super:

where is your PIP coverage?

Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate.

My PIP is included in my multi-vehicle plan with USAA.

Another "perk" of owning a LSV is that you are also covered by AAA for flat tires and breakdowns!

:024:

Quote:

Originally Posted by gongoozler (Post 314329)

The rule (law) is if it has a VIN # it must be registered to be on the road. If you have an LSV that has the switch from turf mode (below 19.9) to road mode (up to 25) then you could pull the VIN tag off the cart (very easy to do)and ALWAYS drive in turf mode. No police officer would ever pull you over to check and if you got stopped for something like rolling through a stop sign no officer could ever tell if it had a VIN # . . . the problem might be, "what happen if you have an accident with the insurance?" I do not think it is worth the gamble but that's me and the cost of insurance on an LSV is very very cheap (I have one).

:coolsmiley:

My understanding is that if it is an LSV (and they do look different that golf carts) it must be registered. If a policeman sees an LSV looking vehicle without a license tag they will stop it and ticket it - VIN number or not.

Go to the Golf cart seminar or the poice station and present this tale and see what they say.

Quote:

Originally Posted by zcaveman (Post 314713)

to be more specific
1. not all lsv's look the same. some do indeed look just like a golf cart.
2. they dont need to be licensed unless they are used on the roads. cart paths and the courses are exempt.

Quote:

Originally Posted by red tail (Post 314724)

While I agree I also disagree. Some LSVs look like LSVs. Forget the Par-Car carts.

I don't have one so I don't really care. Just be sure to read and understand the laws.

That is all I am saying.

Quote:

Originally Posted by red tail (Post 314724)

I believe item two is incorrect, based on everything I have read. If it has a VIN (likely faster than 20MPH) it must be registered to drive around TV. If I am wrong please let me know, I hate spreading mis-information.

As Z posted, check it out first.......

Technically item 2 is correct, but realistically you can’t get anywhere in TV without traveling on public roads at one point or another.