Talk of The Villages Florida

Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   All About Golf Carts and Things (https://www.talkofthevillages.com/forums/all-about-golf-carts-things-156/)
-   -   speed vs insurance (https://www.talkofthevillages.com/forums/all-about-golf-carts-things-156/speed-vs-insurance-344251/)

golfing eagles 09-20-2023 09:17 AM

Quote:

Originally Posted by BrianL99 (Post 2258840)
TOTV must have a particularly interesting cross-section of TV residents.

I've only been here 2 years, but drive my golf to a Championship Course most every day.

I can count on one hand, the number of golf carts I can pass on an MMP, if I'm going 22 mph.

Apparently only the s l o w & l a w a b i d i n g post on TOTV..

All those scofflaws that have carts that go 24 mph - 30 mph, must be posting somewhere else.

I couldn't reproduce that count, since my cart can't go 22. However, on the occasions that I do pass someone going 15, I contend it is not because they are "law abiding" but because they have the driving skills of a dead hippopotamus. I think we all have encountered those cart drivers at one time or another.

Bill14564 09-20-2023 09:33 AM

Quote:

Originally Posted by BrianL99 (Post 2258840)
TOTV must have a particularly interesting cross-section of TV residents.

I've only been here 2 years, but drive my golf to a Championship Course most every day.

I can count on one hand, the number of golf carts I can pass on an MMP, if I'm going 22 mph.

Apparently only the s l o w & l a w a b i d i n g post on TOTV..

All those scofflaws that have carts that go 24 mph - 30 mph, must be posting somewhere else.

Some have posted in the past... and they have been laughed at for confessing on a public forum. I imagine there are others who know better than to make such an admission.

jimjamuser 09-20-2023 09:49 AM

Quote:

Originally Posted by npwalters (Post 2258659)
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?

Bottom line is I'm inclined to believe this is an old wives tale.

A better question is, "Why would ANYONE WANT to drive a golf car over 20 MPH?" There are MANY reasons NOT to drive over 20. Firstly, we are mostly ALL retired so we have plenty of time to commute ANYWHERE we want to go. I personally think that speeding in automobiles and golf carts TODAY has something (?) to do with the time when the roads were mostly empty due to COVID. I blame insufficient Police presence for not bringing speeders back into compliance. Many people also complain about automobiles speeding on the major Village roads such as Morse.
......Secondly as to golf cart speed enhancement.........golf carts (ICE ones) have a HIGH center of gravity and are built for low-speed use on a golf course. So, when the speed is jacked up there is more likelihood of rolling over or sliding around a corner and hitting a car or other vehicle. Increasing idle/governor causes the engine to run more gasoline through it causing both more wear and more pollution, due to no catalytic converter - like in a car. Also, it increases the noise from the golf cart, some of which are very noisy.
........So, in general, I see golf cart speed enhancement as a FOOL'S errant - there are many disadvantages compared to the supposed advantage of going 5 MPH faster. If people have a "Tom Cruise need for speed" they can buy an ATV or a micro midget race car.

jimjamuser 09-20-2023 09:57 AM

Quote:

Originally Posted by Johnnybgood (Post 2258725)
I received a ticket going 25 mph a few years back. I had to go to court but was acquitted so the court cost was 300 bucks plus one moth @ 50 bucks to the probation office Btw, if I didn’t get acquitted it was 6 month probation and 1800 dollars plus 50 bucks a month for 6 months to the probation officer

I could easily catch 3 speeders going past my house every day - maybe more. They are easy to spot because they are louder than the under 20 MPH vehicle. I am impressed with this post because it shows a SERIOUS deterrence capability. I wonder WHY (?) so many don't COMPLY?
........To try to answer my own question - maybe there just is inadequate Police presence?

jimjamuser 09-20-2023 10:01 AM

Quote:

Originally Posted by mraines (Post 2258747)
There are many golf carts in TV that go over 20 mph. I have never seen anyone ticketed for speeding. Mine goes 20 and I am constantly being passed by faster carts. Where are you all going in such a hurry? If you need to go that fast, use your car. By the way, yesterday I had my left turn signal on and someone passed me on the left. Does anyone here really even know how to drive?

I think that people drive badly now AFTER COVID. I am NOT sure why?

shut the front door 09-20-2023 10:04 AM

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.

jimjamuser 09-20-2023 10:07 AM

Quote:

Originally Posted by Fastskiguy (Post 2258754)
I'd love to know the real number but I agree...many go over 20. Down south I'd say it's darn near 100% rolling along at over 20mph. Other than the post by johnnybegood I've never heard of anybody getting a ticket so I'm not sure it's really "a thing".

Joe

Then the real question is .....should the Police enforce Golf Cart speeding more vigorously? People in this forum often speak of drunken golf cart drivers and golf carts overturning or hitting trees. Why ignore such an obvious problem? It's like the "broken window" Police concept in NYC many years back.

MrFlorida 09-20-2023 10:08 AM

If you get into a accident, and it becomes a lawsuit against you, you can be sure some slick lawyer will bring this up..

Tyson 09-20-2023 10:12 AM

You dont have to adjust the governor to get the cart to go 30, or maybe even 35. Its linkage.

jimjamuser 09-20-2023 10:14 AM

Quote:

Originally Posted by Marmaduke (Post 2258765)
We bought our cart at Cart World on 441, Lady Lake. It's one of the oldest and most reputable dealers in this area.

Our salesperson told us that they sold a cart to a man who changed the governor. He was involved in an accident that resulted in a death of another person.
The FIRST thing the police did was to impound the cart. The governor was checked, and found to be well above Florida regulations.
The store was spoken to by investigators about their proof of factory/mfg. delivery of the cart to the man and they were free of ANY AND ALL wrongdoing.

On the other hand, the man who changed the governor was charged. Proof was with the impounded golf cart and he was found guilty. He went to prison. Some lawyer probably got him out right away, I don't know.

I'd imagine that his insurance company did not pay the victim's family, but I have no further information.

I would imagine he lost, in more ways than one, and asked himself IF he would've done it all over again, if given a 2nd chance?

REMEMBER the 59th Bridge song.

That sales persons story convinced us to leave it alone!

I would say that the magnitude of that possible punishment FAR exceeds the benefit of going 5 MPH faster than is legal. What does a 5 MPH extra speed get you? Do you arrive at your card-playing group 30 seconds earlier?

jimjamuser 09-20-2023 10:20 AM

Quote:

Originally Posted by bogmonster (Post 2258773)
It’s not carts going 20.1, but rather much faster. I clocked my buddies cart at 32 mph

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.

Velvet 09-20-2023 10:26 AM

Quote:

Originally Posted by mraines (Post 2258747)
There are many golf carts in TV that go over 20 mph. I have never seen anyone ticketed for speeding. Mine goes 20 and I am constantly being passed by faster carts. Where are you all going in such a hurry? If you need to go that fast, use your car. By the way, yesterday I had my left turn signal on and someone passed me on the left. Does anyone here really even know how to drive?

Possibly because half the time on carts some people forget to turn their turn signals off, and the person passing you probably assumed you were one of them. When I drive my cart I never watch turn signals I always watch the angle of the cart or the driver. Now if you were not driving a golf cart, but a car, that’s a different story.

golfing eagles 09-20-2023 10:26 AM

Quote:

Originally Posted by jimjamuser (Post 2258855)
I blame insufficient Police presence for not bringing speeders back into compliance. Many people also complain about automobiles speeding on the major Village roads such as Morse.

Quote:

Originally Posted by jimjamuser (Post 2258856)
I could easily catch 3 speeders going past my house every day - maybe more. They are easy to spot because they are louder than the under 20 MPH vehicle. I am impressed with this post because it shows a SERIOUS deterrence capability. I wonder WHY (?) so many don't COMPLY?
........To try to answer my own question - maybe there just is inadequate Police presence?

Quote:

Originally Posted by jimjamuser (Post 2258860)
Then the real question is .....should the Police enforce Golf Cart speeding more vigorously? People in this forum often speak of drunken golf cart drivers and golf carts overturning or hitting trees. Why ignore such an obvious problem? It's like the "broken window" Police concept in NYC many years back.

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 :1rotfl::1rotfl::1rotfl:. 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).

JMintzer 09-20-2023 10:46 AM

Quote:

Originally Posted by samquiros (Post 2258756)
I think the issue is not whether you are going to get a ticket or not. The issue is whether you have a habit of breaking the law or not, and how safe it is to do so.

Me, I do not make a habit of breaking the law knowingly. I also think that a golf cart over 20mph is unsafe. So I avoid exceeding 20mph, since that is the speed limit on the multi-modals, and I respect that.

Your mileage may vary.

So, you've never driven 5 miles over the speed limit in your car? Or do you only do it "unknowingly"?

JMintzer 09-20-2023 10:50 AM

Quote:

Originally Posted by Marmaduke (Post 2258765)
We bought our cart at Cart World on 441, Lady Lake. It's one of the oldest and most reputable dealers in this area.

Our salesperson told us that they sold a cart to a man who changed the governor. He was involved in an accident that resulted in a death of another person.
The FIRST thing the police did was to impound the cart. The governor was checked, and found to be well above Florida regulations.
The store was spoken to by investigators about their proof of factory/mfg. delivery of the cart to the man and they were free of ANY AND ALL wrongdoing.

On the other hand, the man who changed the governor was charged. Proof was with the impounded golf cart and he was found guilty. He went to prison. Some lawyer probably got him out right away, I don't know.

I'd imagine that his insurance company did not pay the victim's family, but I have no further information.

I would imagine he lost, in more ways than one, and asked himself IF he would've done it all over again, if given a 2nd chance?

REMEMBER the 59th Bridge song.

That sales persons story convinced us to leave it alone!

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? :1rotfl:

JMintzer 09-20-2023 10:53 AM

Quote:

Originally Posted by Marathon Man (Post 2258775)

"This one time... at Band Camp..."

Notice how the "story" doesn't provide a shred of evidence, only an anonymous person who sent in an email...

jimjamuser 09-20-2023 10:55 AM

Quote:

Originally Posted by HawkinsGuy (Post 2258786)
So what’s so wrong with that? I love my old wife’s tail!

Let's have a show of hands - who gets this ?

golfing eagles 09-20-2023 10:56 AM

Quote:

Originally Posted by jimjamuser (Post 2258880)
Let's have a show of hands - who gets this ?

So far, the morality and decency "police" have not complained:1rotfl::1rotfl::1rotfl:

JMintzer 09-20-2023 11:00 AM

Quote:

Originally Posted by jimjamuser (Post 2258855)
A better question is, "Why would ANYONE WANT to drive a golf car over 20 MPH?" There are MANY reasons NOT to drive over 20. Firstly, we are mostly ALL retired so we have plenty of time to commute ANYWHERE we want to go. I personally think that speeding in automobiles and golf carts TODAY has something (?) to do with the time when the roads were mostly empty due to COVID. I blame insufficient Police presence for not bringing speeders back into compliance. Many people also complain about automobiles speeding on the major Village roads such as Morse.
......Secondly as to golf cart speed enhancement.........golf carts (ICE ones) have a HIGH center of gravity and are built for low-speed use on a golf course. So, when the speed is jacked up there is more likelihood of rolling over or sliding around a corner and hitting a car or other vehicle. Increasing idle/governor causes the engine to run more gasoline through it causing both more wear and more pollution, due to no catalytic converter - like in a car. Also, it increases the noise from the golf cart, some of which are very noisy.
........So, in general, I see golf cart speed enhancement as a FOOL'S errant - there are many disadvantages compared to the supposed advantage of going 5 MPH faster. If people have a "Tom Cruise need for speed" they can buy an ATV or a micro midget race car.

You don't even own a golf cart, right? Just like you don't own an EV?

JMintzer 09-20-2023 11:01 AM

Quote:

Originally Posted by jimjamuser (Post 2258856)
I could easily catch 3 speeders going past my house every day - maybe more. They are easy to spot because they are louder than the under 20 MPH vehicle. I am impressed with this post because it shows a SERIOUS deterrence capability. I wonder WHY (?) so many don't COMPLY?
........To try to answer my own question - maybe there just is inadequate Police presence?

Judge: "Officer, how did you know the defendant was speeding?
Officer: "His golf cart sounded louder..."
Judge: "Case Dismissed!"

JMintzer 09-20-2023 11:04 AM

Quote:

Originally Posted by jimjamuser (Post 2258866)
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?

jimjamuser 09-20-2023 11:15 AM

Quote:

Originally Posted by cliff02 (Post 2258809)
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?

Topspinmo 09-20-2023 11:20 AM

Quote:

Originally Posted by npwalters (Post 2258659)
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.

jimjamuser 09-20-2023 11:31 AM

Quote:

Originally Posted by golfing eagles (Post 2258831)
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.

jimjamuser 09-20-2023 11:45 AM

Quote:

Originally Posted by shut the front door (Post 2258859)
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.

golfing eagles 09-20-2023 11:52 AM

Quote:

Originally Posted by jimjamuser (Post 2258892)
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.

Berwin 09-20-2023 12:00 PM

1 Attachment(s)
My golf cart has this sticker on the dash

Marmaduke 09-20-2023 12:13 PM

Quote:

Originally Posted by JMintzer (Post 2258878)
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? :1rotfl:

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.

golfing eagles 09-20-2023 12:24 PM

Quote:

Originally Posted by JMintzer (Post 2258878)
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? :1rotfl:

Quote:

Originally Posted by Marmaduke (Post 2258908)
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.

jimjamuser 09-20-2023 12:45 PM

Quote:

Originally Posted by golfing eagles (Post 2258870)
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 :1rotfl::1rotfl::1rotfl:. 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 !!!!!!!!!!!

Indydealmaker 09-20-2023 01:53 PM

Quote:

Originally Posted by John Mayes (Post 2258666)
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.

npwalters 09-20-2023 01:57 PM

Quote:

Originally Posted by wondering (Post 2258807)
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

jimjamuser 09-20-2023 01:57 PM

Quote:

Originally Posted by golfing eagles (Post 2258902)
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.

golfing eagles 09-20-2023 01:58 PM

Quote:

Originally Posted by Indydealmaker (Post 2258932)
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.

npwalters 09-20-2023 02:38 PM

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.

Pete Swanson 09-20-2023 02:45 PM

Quote:

Originally Posted by John Mayes (Post 2258673)
I have dug pretty deep but can’t find anything that defines test conditions required for golf carts vs LSV’s. Maybe I’m looking in the wrong place.

Most likely, yes.

golfing eagles 09-20-2023 02:49 PM

Quote:

Originally Posted by npwalters (Post 2258942)
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.
.

Of course not. This is TOTV! What was your expectation????:1rotfl::1rotfl::1rotfl:

Bill14564 09-20-2023 03:08 PM

Quote:

Originally Posted by npwalters (Post 2258942)
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.

It was unclear from your original post that you understood the law. The speed you were traveling makes no difference and the setting from the dealer makes no difference - if the police have the cause to inspect your cart and it is capable of going faster than 20mph then it is an LSV and falls under those rules and regulations.

If I remember correctly there were three examples of violations mentioned and one first-hand account where insurance was involved. (though two of those stories sound suspiciously similar) That might be the best you can hope for on ToTV, particularly when you are asking for personal stories that some would be embarrassed to admit.

Your insurance question is going to depend on the circumstances and your particular insurance company. At least one of the stories told of an insurance company that did pay a claim. Great, let that story comfort you if that's what you are after.

I haven't bothered to dig my policy out to read through it but my expectation is that certain coverages exclude damages caused through illegal activity. I would worry that the company might learn that the "golf cart" that I listed on the policy and paid premiums for was actually an LSV, might determine that I was attempting to commit fraud against the company, and might nullify any coverage that I thought I had. (Again, I haven't looked closely at my policy) Perhaps that is all crap and the insurance company would cover me regardless of my actions but I doubt it and that's why I'm not going to push my luck to find out. But if you believe it's all just an old wife's tale, have at it.

cjrjck 09-20-2023 03:38 PM

Quote:

Originally Posted by jimjamuser (Post 2258892)
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.

Let me guess: From NY and a liberal? Nothing wrong with that. Just saying.

Topspinmo 09-20-2023 04:57 PM

Quote:

Originally Posted by npwalters (Post 2258942)
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.

Not chance. And cars has nothing to with golf carts.


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