speed vs insurance speed vs insurance - Page 5 - Talk of The Villages Florida

speed vs insurance

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  #61  
Old 09-20-2023, 11:04 AM
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Originally Posted by jimjamuser View Post
I think that the psychology here is a bunch of frustrated stock car "want-to-be-s". Since the golf cart is designed for 20 MPH and has a high center of gravity - which affects both cornering and braking adversely - then, it seems almost suicidal to go 32 MPH.
But what about EVs, with their lower center of gravity? Is it okay to speed in those?
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Old 09-20-2023, 11:15 AM
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Originally Posted by cliff02 View Post
Speed …… these are not go carts. I used to walk / ride my bike on the modal paths. It got way to dangerous. People fly up and down the paths and make it unsafe for pedestrians and cyclists. If you want to race , a go cart track may suit you. Slow down ,enjoy the beautiful vistas and stay off your phones. We’ll all be safe .
I don't understand the psychology behind speeding in a retirement area. Yet as you say you used to be able to walk and bike on the MMPs. I go back to something about the Pandemic has made people speed more. Maybe the more empty roads then?
  #63  
Old 09-20-2023, 11:20 AM
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Originally Posted by npwalters View Post
I know that golf carts are limited by law to 20mph. We all know that it is easy to change the governor and allow it to go faster.

Every time this comes up someone chirps up and states that changing the governor will invalidate your insurance if you are involved in a wreck. Does anyone have any ACTUAL proof that this has ever happened?

The fact that my cart can go a little over 20 does not mean I do go or - if involved in a mishap - was going over 20. My car will go over 100 but as long as I stay at or below the stated limit I'm legal. How would the insurance company know if an owner changed the governor? Who is to say it did not come from the factory as it currently sits?

Been here for 9 years and heard this also. Only heard couple who actually got tickets.

Bottom line is I'm inclined to believe this is an old wives tale.
Very easy the governor stud if adjusted properly will be about 5/8” of inch sticking beyond nut. It they 1 inch or more sticking beyond nut the governor been tampered with along with seal disturbed.

Very low odds getting caught going over 20 mph anyway due to no monitoring. Basically you have to be daydreaming not notice LEO pacing you.
  #64  
Old 09-20-2023, 11:31 AM
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Originally Posted by golfing eagles View Post
Want to bet? How about this------you pay the taxes of the average billionaire and they'll be happy to pay yours. After all, most of them pay more taxes in 1 year than you earned in a lifetime.
The average billionaire paid 8.2% of their income in federal income tax, which is criticized as "low". But much of their income is in capital gains, and many of their deductions related to venture capital, which produces jobs for the rest of us. So, let's say a billionaire earns $100 million in a year---that's $8,200,000 in tax----more than the average lifetime earning of most of us. So much for the "fair share' idiocy.

Also, the top 1% of income earners, those over $540,000/year earn 21% of all income but pay 40% of all income tax---how is that fair??????
From after WW2 until about 1975 the US middle class was strong and had wealth. The top 10% were taxed heavily. In about 1975 outsourcing began, Unions began losing members, and total jobs and wealth for the middle class started to drop. So, basically, the upper class gained power as the middle class lost power.
.......Then about 2005 or so, the tax tables were set up to somewhat advantage the rich. Then about 2018 tax tables were set up to GREATLY advantage the rich.
  #65  
Old 09-20-2023, 11:45 AM
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Originally Posted by shut the front door View Post
My previous golf cart would go 35. I was involved in an accident and insurance company (USAA) never said a word about it and paid the claim.
That's like COMMITTING a crime, bragging about it, and then CONFESSING to the crime. And that is positive proof that The Village Police are NOT catching as many of these ANTISOCIAL speeders as they should.
  #66  
Old 09-20-2023, 11:52 AM
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Originally Posted by jimjamuser View Post
From after WW2 until about 1975 the US middle class was strong and had wealth. The top 10% were taxed heavily. In about 1975 outsourcing began, Unions began losing members, and total jobs and wealth for the middle class started to drop. So, basically, the upper class gained power as the middle class lost power.
.......Then about 2005 or so, the tax tables were set up to somewhat advantage the rich. Then about 2018 tax tables were set up to GREATLY advantage the rich.
I guess you didn't fully read the post. THE TOP 1% OF EARNERS RECEIVE 21% OF ALL INCOME BUT PAY 40% OF ALL INCOME TAX. This is grossly UNFAIR. They are paying DOUBLE the percentage of what they earn. Do they receive double the services from the government? NO, instead they are being forced into playing Robin Hood for those that produce NOTHING other than to suck off the government (meaning our) teat.
  #67  
Old 09-20-2023, 12:00 PM
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My golf cart has this sticker on the dash
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  #68  
Old 09-20-2023, 12:13 PM
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Originally Posted by JMintzer View Post
Such a lovely story... And he told it so well...

I don't believe a word of it...

Did you hear about the guy who smoked his expensive cigars and then put in a claim for them being burned in a fire?
Hey Doc, don't shoot the messenger! The "HE telling the lovely story" who you spoke of, was actually a SHE salesperson!

She related that story within earshot of the Owner's office and he was at his desk.
But, I have come to know from posts who the doubting Thomas' are and who the bullies are...and that's alright with me.
Have you paid much attention to the most recent golfcart wrecks in TV?
Not a bunch of "LOVELY" stories. Actually, several pretty gross end-results this summer alone.
  #69  
Old 09-20-2023, 12:24 PM
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Originally Posted by JMintzer View Post
Such a lovely story... And he told it so well...

I don't believe a word of it...

Did you hear about the guy who smoked his expensive cigars and then put in a claim for them being burned in a fire?
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Originally Posted by Marmaduke View Post
Hey Doc, don't shoot the messenger! The "HE telling the lovely story" who you spoke of, was actually a SHE salesperson!

She related that story within earshot of the Owner's office and he was at his desk.
But, I have come to know from posts who the doubting Thomas' are and who the bullies are...and that's alright with me.
Have you paid much attention to the most recent golfcart wrecks in TV?
Not a bunch of "LOVELY" stories. Actually, several pretty gross end-results this summer alone.
Not lovely, there have been several tragic golf cart accidents with fatalities in the last 2 week. My condolences to the surviving families and best wishes for quick recovery of those injured.

That being said, and getting back on topic, I believe those 2 accidents were the result of a cart turning in front of van and a car plowing into a cart. Is there any evidence that "speed", either by the cart OR the car was a factor?????? Any at all?????? Any evidence that there was the possibility that a cart going 21 caused an accident that would have been avoided if the cart was going 20? And how likely would that be in the case of any accident??? And if a cart was going 17 but capable of 21, should they be held responsible????? And therein lies the problem with the "capability" clause in the law.
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Old 09-20-2023, 12:45 PM
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Originally Posted by golfing eagles View Post
And here we go again.

Every morning I turn on the news and there is a shooting somewhere in Central Florida. Everyday someone is injured by a gun or knife, someone is scammed out of their life savings, a woman is accosted and a 15 year old gets into an accident without a license. Some low-life kills a cop in Daytona and the morons on the jury come back with "manslaughter".

But, by all means, let's spend precious police resources trying to catch a golf cart going 20.1 MPH. OMG, the humanity, the humanity . And why??? For "safety"? 20.1 is very dangerous and 19.9 is fine? Now the guy who had his cart set to 35 is a whole different story, but that is pretty unusual----22 or 23 is what I generally see these days. Or is because anyone who gets passed is irate? Or because everyone who slogs along at 14 MPH thinks everyone should do as they do?

I get passed every day, my cart can occasionally get to 21 downhill but struggles at 18.5 uphill. So what? They come up from behind me, pass me, and then they are gone. No big deal, why should I care? (Again, not referring to the cart outliers at something ridiculous like 35)
So why are there those on TOTV that get their undies in a bunch just because someone's cart is faster? Why do people continually post this nonsense of "we're retired, what's the hurry"? None of know what their hurry is, maybe they're ill or have a potty emergency. It's not for us to decide, and the same goes for cars as well. (I direct that to the left lane Louie's that want to impose their speed on everyone else).
I agree with you about "left lane Louies". And we agree that Golf Carts doing 35 MPH is WAY out of bounds ( and may be some kind of psychological "need for speed" disorder). I barely see where any disagreement exists.
......I do see from the HIGHLY enlarged letters that SOMETHING (?) about Police presence is where the disagreement occurs. Since several TOTV posters talked about people going 35 MPH and one even BRAGGED about it, it is OBVIOUS that WAY excessive speeding is going on. And I concur that it may be thought of as "small potatoes" as compared with say a murder in Orlando.
........However, in one of my posts, I stated that Golf Cart speeding here in TV Land can be thought of like the famous "broken window" theory put out about 30 years ago by a famous Police Chief. Where he stated that small crimes need to be stopped just like big crimes because when small crimes are condoned, then it leads society toward bigger crimes. He is known to be correct about this and applied it to NY and LA and wrote a book (I think)
I merely wanted to suggest the parallel between broken windows in a big city and the Police in The Village turning their backs on the seemingly small crimes of Golf Cart speeding.
........We have an older and slower-moving population here in TV Land. So, when they are walking or biking, they are vulnerable to being hit by the large number of Golf Carts. Then IF you add in a large amount of Golf Cart drivers speeding at 35 MPH. And if you add alcohol inebriation to the mix, you have a toxic brew. And we see pictures in the paper of Golf Carts that wrecked into trees many feet away from the road. So, we know that it happens.
..........The Villages residents want to believe that they have a high degree of safety here and that the Police are protecting them. They certainly DESERVE that !!!!!!!!!!!
  #71  
Old 09-20-2023, 01:53 PM
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Originally Posted by John Mayes View Post
So, supposedly, a Yamaha gas PTV comes from the factory set at 19.5 mph max speed but will exceed 20 mph going downhill. So with this fact, does that make a stock PTV an LSV?
The key point is whether the cart has been MODIFIED to exceed the statutory limit.
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  #72  
Old 09-20-2023, 01:57 PM
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Originally Posted by wondering View Post
your golf cart post is mindless and useless. My comment is about your "statement" about government giving to someone by taking it away from someone else - really! We all pay taxes, except for the billionaires. Our taxes are used for a number of purposes to help the country as a whole. So, you had two mindless/useless posts in one.
lol
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  #73  
Old 09-20-2023, 01:57 PM
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Originally Posted by golfing eagles View Post
I guess you didn't fully read the post. THE TOP 1% OF EARNERS RECEIVE 21% OF ALL INCOME BUT PAY 40% OF ALL INCOME TAX. This is grossly UNFAIR. They are paying DOUBLE the percentage of what they earn. Do they receive double the services from the government? NO, instead they are being forced into playing Robin Hood for those that produce NOTHING other than to suck off the government (meaning our) teat.
Right after WW2 the top income tax bracket paid out about 70% to 80% before deductions. Today, I think the top marginal bracket is 37% for over about 1/2 of a million. The AVERAGE person making over 1/2 of a million pays 26%. It is correct that the 1% got 22% of the nation's income, but paid out 42% of the taxes.
........Now to the question of is this FAIR? Many people in the 1% bracket don't work for the money - it is the power and prestige. One famous hedge fund manager NEVER has time to spend his money (he has people for that). He LOVES the thrill of MAKING money so much that it takes up 100% of his time. The government could tax him at a rate of 99% and he would NOT care - it is the fame and power for him.
........now to the 22% of nations income and 42% of the US taxes. Certainly, the super-rich require more Police time to prevent theft. The super-rich also need to BE Policed closely in order to prevent the Bernie Madoff types. So, that costs society. I will have to contemplate that fairness argument further and later.

Last edited by jimjamuser; 09-20-2023 at 06:14 PM. Reason: add
  #74  
Old 09-20-2023, 01:58 PM
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Originally Posted by Indydealmaker View Post
The key point is whether the cart has been MODIFIED to exceed the statutory limit.
OK. But I'm going to have to challenge that. Just as I challenged the poster who claimed that THE LAW gives a 5 MPH "grace period" so you won't get a ticket unless you exceed 25, I'm going to have to challenge that statement to show me anything in Florida statutes that states a golf cart must be registered as a LSV ONLY if it is "modified". Hint: the applicable section is 320.
  #75  
Old 09-20-2023, 02:38 PM
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OK, so there are a few "I was told by my ....." stories, several wanna be cops, several virtue signalers who apparently have never gone 1 MPH over the limit in their car, one psycho that apparently thought this was a question about taxes, a few that restated the law I acknowledged in my OP, and NO ONE that can cite an actual case where an insurance company refused to cover an individual due to a governor being adjusted.

Let's let this thread die now please.
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