Talk of The Villages Florida

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-   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/)

Topspinmo 09-20-2023 05:22 PM

Quote:

Originally Posted by golfing eagles (Post 2258779)
Agree 100%, however, both could be charged equally under the law (although unlikely). And this is why I think this law needs to be modified---just being capable should not be the standard for unlawful operation of a golf cart, you should actually be exceeding 20.

My car is capable of 140, should I be charged with "speeding"?
My kitchen knives are capable of killing my neighbor---should I be charged with murder?
My bottle of fireball in my liquor cabinet is capable of making me drunk---should I be charged?

The law kind of reminds me of the move "Minority Report" where psychics predicted a future crime and LEOs arrested the perps for actions they have not yet taken.

Well I have to question? how big was the bottle fireball.:oops: :oops:

Topspinmo 09-20-2023 05:25 PM

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?

Where do you think we all came from? If we was bad obnoxious drivers before we arrived being here, being here not going to change anything. I willing bet it makes it worse:shocked:

golfing eagles 09-20-2023 05:26 PM

Quote:

Originally Posted by Topspinmo (Post 2258970)
Well I have to question how big the bottle of fireball is?:)

1.75 Liters. I make a lot of birdies 🏌🏻🏌🏻🏌🏻

JMintzer 09-20-2023 05:54 PM

Quote:

Originally Posted by jimjamuser (Post 2258887)
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?

I blame the vaccine...

kkingston57 09-20-2023 05:56 PM

Quote:

Originally Posted by njbchbum (Post 2258682)
Maybe you could get info close to the fact[s] by stopping in your closest Sheriff's office and asking someone on duty your questions. Probably not as much fun as reading response posts here - but then facts never are.

This would/should be a civil matter as opposed to a criminal matter and should not be answered by the Sheriffs office. This is a legal question which should be answered by an attorney who handles civil matters and/or insurance defense claims. There probably is case law which would /could be involved.

JMintzer 09-20-2023 06:00 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.

Once again, you post false info about tax rates. I've shown you, time and time again, that although the marginal tax rates were higher, the EFFECTIVE tax rates were significantly lower due to the significantly higher deductions...

kkingston57 09-20-2023 06:00 PM

Quote:

Originally Posted by JMintzer (Post 2258884)
Judge: "Officer, how did you know the defendant was speeding?
Officer: "His golf cart sounded louder..."
Judge: "Case Dismissed!"

Real objective evidence!!!

JMintzer 09-20-2023 06:03 PM

Quote:

Originally Posted by jimjamuser (Post 2258897)
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.

There is a difference between WOULD go and WAS going 35 mph...

kkingston57 09-20-2023 06:06 PM

Quote:

Originally Posted by jimjamuser (Post 2258897)
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.

He confessed to increasing the speed capability of the golf cart. If this is against the law, probably a misdemeanor. Imagine having the police giving tickets for carts going over the speed limit on cart paths. Not going to happen and should not happen.

jimjamuser 09-20-2023 06:46 PM

Quote:

Originally Posted by kkingston57 (Post 2258985)
He confessed to increasing the speed capability of the golf cart. If this is against the law, probably a misdemeanor. Imagine having the police giving tickets for carts going over the speed limit on cart paths. Not going to happen and should not happen.

The last sentence says that it is NOT going to happen that Police give out tickets to Golf Cart drivers on the cart paths. Yet earlier on in this forum a man talked about going to court, getting fiined about $400, and ending up with a criminal record for going 22MPH when ticketed by a motorcycle policeman. I believe that there was also a 2nd situation like that reported earlier.
........Then the next part of the last sentence says, "should not happen". That would be a PERSONAL value judgment of ONE person. I, hereby, make a value judgment that it SHOULD HAPPEN.
...........So, there, our value judgments nullify each other.
............There was one other post by a person who said that they USED to walk and bike on the MMP, but they no longer do because of fast and dangerous Golf Cart driving. I assume that person would WANT Police to give out speeding tickets to golf carts...
..........So, now we have one person saying no tickets and 2 people saying Police should give out tickets. So, by a 2 to 1 margin, I am ahead.

jimjamuser 09-20-2023 07:00 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.

So, back to what is fair. The upper-income people pay out more taxes, which the fed government spends on things like National Defense (an Army, Navy etc). Now suppose that Russia conquers the US and takes everything from everybody in the US as spoils of war. Now ask oneself, "Who lost the most" the rich person or the poor person? I would say that the rich person lost the most (has the most to lose) - therefore it IS FAIR AND RIGHT that the rich person pays MORE (more taxes) for the US Army, Navy and etc than the poor person.

Larchap49 09-20-2023 07:01 PM

Insurance
 
Quote:

Originally Posted by BrianL99 (Post 2258674)
Have you ever heard of an Auto Insurer not paying an auto claim, because the driver was speeding? What's the difference?

Have you ever heard of a Home Insurer denying a claim, because someone did some electrical work, without a Permit and not being an electrician?

Did you ever hear of a Health Insurer not paying a medical claim, because the person smoked or drank?

I'm sure the above has happened somewhere, under some circumstances ... but it's surely not common.

Let me tell you a little story about car insurance. An out of state owner of a highly lifted 4 wheel drive pickup decided to drive out on the flats near the Courtney Campbell Causeway at low tide. He got stuck and before a tow truck could get there the tide came in totaling his truck. It was towed to the dealership I worked at. When the insurance adjuster arrived and the owner started to spin his take about why he had driven out onto the mud flats at low tide, the adjuster stopped him and stated "there is no clause in your policy for stupidity not to worry he was covered" so I find it highly unlikely that an insurance company is going to spend time and money to determine if your golf cart was going 22 mph and not 19 when the accident occurred.

JMintzer 09-21-2023 07:14 AM

Quote:

Originally Posted by jimjamuser (Post 2258997)
So, back to what is fair. The upper-income people pay out more taxes, which the fed government spends on things like National Defense (an Army, Navy etc). Now suppose that Russia conquers the US and takes everything from everybody in the US as spoils of war. Now ask oneself, "Who lost the most" the rich person or the poor person? I would say that the rich person lost the most (has the most to lose) - therefore it IS FAIR AND RIGHT that the rich person pays MORE (more taxes) for the US Army, Navy and etc than the poor person.

If only taxes worked that way... News flash! You don't get to decide on what the gubmint spends your tax money...

JMintzer 09-21-2023 07:18 AM

Quote:

Originally Posted by Larchap49 (Post 2258998)
Let me tell you a little story about car insurance. An out of state owner of a highly lifted 4 wheel drive pickup decided to drive out on the flats near the Courtney Campbell Causeway at low tide. He got stuck and before a tow truck could get there the tide came in totaling his truck. It was towed to the dealership I worked at. When the insurance adjuster arrived and the owner started to spin his take about why he had driven out onto the mud flats at low tide, the adjuster stopped him and stated "there is no clause in your policy for stupidity not to worry he was covered" so I find it highly unlikely that an insurance company is going to spend time and money to determine if your golf cart was going 22 mph and not 19 when the accident occurred.

And yet, there are people in this thread who think the police are going to do a forensic analysis of an accident and check the "seal" on the 10mm bolt to see if it's been adjusted...

It reminds me of the old TV show CHiPs, where they would "recreate" an accident to see who was at fault... Total fantasy...

jimjamuser 09-21-2023 07:25 AM

Quote:

Originally Posted by Larchap49 (Post 2258998)
Let me tell you a little story about car insurance. An out of state owner of a highly lifted 4 wheel drive pickup decided to drive out on the flats near the Courtney Campbell Causeway at low tide. He got stuck and before a tow truck could get there the tide came in totaling his truck. It was towed to the dealership I worked at. When the insurance adjuster arrived and the owner started to spin his take about why he had driven out onto the mud flats at low tide, the adjuster stopped him and stated "there is no clause in your policy for stupidity not to worry he was covered" so I find it highly unlikely that an insurance company is going to spend time and money to determine if your golf cart was going 22 mph and not 19 when the accident occurred.

The Police can impound the golf cart and FIND the altered speed components.

JMintzer 09-21-2023 07:35 AM

Quote:

Originally Posted by jimjamuser (Post 2259078)
The Police can impound the golf cart and FIND the altered speed components.

Thank you for proving my point... Show me where that has EVER happened...

Bilyclub 09-21-2023 08:23 AM

Is that Fuzzy's Vodka cart still cruising around on the South end of town or was it sold of after the winners rolled it the day they received it? Don't think they messed with the governor.

Marmaduke 09-21-2023 09:16 AM

Quote:

Originally Posted by jimjamuser (Post 2259078)
The Police can impound the golf cart and FIND the altered speed components.

EXACTLY! I asked a whole DRIVEWAY of friends last night, who happen to be retired cops and they said it it's done in cases involving death.

Ft.Doc isn't the only advanced educated person on this site, if only he would realize that fact.

Topspinmo 09-21-2023 09:17 AM

When I rented had star electric cart. Ran required 20 MPH on the dot. One evening there was high low switch on dash. I thought it was high beams switch. I flipped it to high and cart took off like I hit another gear. I never got it to top out, but by wind blowing by it was 30 plus.

The point is modified golf cart shall not exceed 20 MPH. No requirement for speedometer on golf cart, when they are governed at 19.99999999 (yes I listed the posted maximum speed they so many believe it you 1/10 over that speed you are subject to prison time).

Now my thoughts on carts going over 20 mph. Usually have speedometer so they can occasionally look how fast they are going in case LEO spotted. Some crank up little bit to climb hills at or around 20 miles per hour. Some crank them all the way up so they can speed to next tee time or where ever. My last opinion on golf cart speed. Some crank them up cause they can’t poke along at 19. 99999 mph. Now the bottom line. Don’t matter it it’s 21 or 35 it’s against Florida regulations when referring to non registered gold cart which if caught subject to fines

Now shall we get into the LSVs that has maximum speed limit of 25. IMO nobody gets LSV licenses to go extra 5 MPH. More like 30 plus some even approach 40MPH. How do I know this? I paced them in my car going down streets like BV and MB. At the end of this it boils down to individual choice. We as observers or passers by are NOT LEOs, don’t have radar guns, and have no authority to pass judgment.

Larchap49 09-21-2023 09:31 AM

Speed
 
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.

How come no one is talking about the electric bikes capable of 35 mph or the scooters like the one that went past me at 35 mph. He was on a mmp I was in my car running parallel,

Bill14564 09-21-2023 09:33 AM

Quote:

Originally Posted by Larchap49 (Post 2259127)
How come no one is talking about the electric bikes capable of 35 mph or the scooters like the one that went past me at 35 mph. He was on a mmp I was in my car running parallel,

Perhaps because this is a thread about the insurance implications of a modified golf cart.

There was an e-bike thread not too long ago or you could always start another.

Larchap49 09-21-2023 09:51 AM

Speed
 
Quote:

Originally Posted by Bill14564 (Post 2259129)
Perhaps because this is a thread about the insurance implications of a modified golf cart.

There was an e-bike thread not too long ago or you could always start another.

You are right but the majority of posts have been about law enforcement and not insurance.
I am willing to bet almost all golf carts at least have insurance so it they hit you their insurance will pay. But I am just as certain not a single e-bike or scooter racing along at 25 or 30 mph has any kind of insurance, so pedestrians beware.

Bill14564 09-21-2023 09:59 AM

Quote:

Originally Posted by Larchap49 (Post 2259133)
You are right but the majority of posts have been about law enforcement and not insurance.
I am willing to bet almost all golf carts at least have insurance so it they hit you their insurance will pay. But I am just as certain not a single e-bike or scooter racing along at 25 or 30 mph has any kind of insurance, so pedestrians beware.

I've never heard of liability insurance for a bicycle (though I haven't looked either).

JMintzer 09-21-2023 10:27 AM

Quote:

Originally Posted by Marmaduke (Post 2259125)
EXACTLY! I asked a whole DRIVEWAY of friends last night, who happen to be retired cops and they said it it's done in cases involving death.

Ft.Doc isn't the only advanced educated person on this site, if only he would realize that fact.

Well, I asked my friends (both retired cops) and they told me it rarely, if ever happens... Just because a cart is capable of going XX MPH doesn't mean it WAS going XX MPH...

So there!

P.S. Personal attack noted...

jimjamuser 09-21-2023 01:40 PM

Quote:

Originally Posted by Larchap49 (Post 2259127)
How come no one is talking about the electric bikes capable of 35 mph or the scooters like the one that went past me at 35 mph. He was on a mmp I was in my car running parallel,

If an E-bike or a small scooter collides with a Golf Cart, the Golf Cart drives away with maybe a little dent - the E-bike rider or the scooter DON'T RIDE away - they are hurt or DEAD. That's why for MAXIMUM SAFETY you need the larger 4-wheel vehicles with HIGH CENTERS of GRAVITY to have a lower speed limit (15 to 20) so they yield to the faster 2-wheeled vehicles. That would be a better PLANNED system than allowing the larger (MONSTERS of the MMP) to jack up their speed to any speed they want. Your heaviest and largest vehicle (the golf cart) would have MANY UNPREDICTABLE speeds. So, everyone becomes afraid to pass. Everyone is confused, it is chaos.
..........A woman in one of the early posts here said that she and her husband will NO LONGER walk or bike on the MMP due to unpredictably fast hopped-up golf carts.
..........That is no WAY to TREAT people in America's Friendliest City!

Topspinmo 09-21-2023 01:52 PM

Quote:

Originally Posted by jimjamuser (Post 2259186)
If an E-bike or a small scooter collides with a Golf Cart, the Golf Cart drives away with maybe a little dent - the E-bike rider or the scooter DON'T RIDE away - they are hurt or DEAD. That's why for MAXIMUM SAFETY you need the larger 4-wheel vehicles with HIGH CENTERS of GRAVITY to have a lower speed limit (15 to 20) so they yield to the faster 2-wheeled vehicles. That would be a better PLANNED system than allowing the larger (MONSTERS of the MMP) to jack up their speed to any speed they want. Your heaviest and largest vehicle (the golf cart) would have MANY UNPREDICTABLE speeds. So, everyone becomes afraid to pass. Everyone is confused, it is chaos.
..........A woman in one of the early posts here said that she and her husband will NO LONGER walk or bike on the MMP due to unpredictably fast hopped-up golf carts.
..........That is no WAY to TREAT people in America's Friendliest City!

Life full of choices especially in America.

Don’t e bikes , bicycles, scooter have to abide by the same 20 mph speed limit on MMP?

Topspinmo 09-21-2023 01:57 PM

Quote:

Originally Posted by Bill14564 (Post 2259134)
I've never heard of liability insurance for a bicycle (though I haven't looked either).

Well there should be:boom: that get some blood boiling.

Bill14564 09-21-2023 02:14 PM

Quote:

Originally Posted by Topspinmo (Post 2259190)
Life full of choices especially in America.

Don’t e bikes , bicycles, scooter have to abide by the same 20 mph speed limit on MMP?

There is no speed limit on the MMP:
1. It is not a public road
2. There is no posted limit
3. There is no one to enforce a limit even if there was one

I have once been behind a bicycle that kept up a speed approaching 20mph. Bicycles (including e-bikes) barreling down the MMPs at 35mph just don't seem to be a common occurrence.

JMintzer 09-21-2023 05:26 PM

Quote:

Originally Posted by jimjamuser (Post 2259186)
If an E-bike or a small scooter collides with a Golf Cart, the Golf Cart drives away with maybe a little dent - the E-bike rider or the scooter DON'T RIDE away - they are hurt or DEAD. That's why for MAXIMUM SAFETY you need the larger 4-wheel vehicles with HIGH CENTERS of GRAVITY to have a lower speed limit (15 to 20) so they yield to the faster 2-wheeled vehicles. That would be a better PLANNED system than allowing the larger (MONSTERS of the MMP) to jack up their speed to any speed they want. Your heaviest and largest vehicle (the golf cart) would have MANY UNPREDICTABLE speeds. So, everyone becomes afraid to pass. Everyone is confused, it is chaos.
..........A woman in one of the early posts here said that she and her husband will NO LONGER walk or bike on the MMP due to unpredictably fast hopped-up golf carts.
..........That is no WAY to TREAT people in America's Friendliest City!

And yet, I pass people walking/biking on the MMPs daily, who aren't afraid...

Go figure...

banjobob 09-21-2023 06:53 PM

Exactly what is a hopped cart most will run 23 right out of the showroom.

Bill14564 09-21-2023 07:49 PM

Quote:

Originally Posted by banjobob (Post 2259282)
Exactly what is a hopped cart most will run 23 right out of the showroom.

Just how many have carts right out of the showroom have you driven to be able to make that claim?

I must have lost that lottery - neither of mine reach 23mph without the aid of a hill.

Larchap49 09-22-2023 07:54 AM

Insurance
 
Quote:

Originally Posted by Bill14564 (Post 2259134)
I've never heard of liability insurance for a bicycle (though I haven't looked either).

That's my point, all the concern about liability for golf carts going over 20 mph, if you register a cart as a LSV and insure it as such does that make it safer at the higher speeds or just make the ins co. more $. Also to my point if you are hit by a e-bike going 20 plus you better have good health insurance.

Keefelane66 09-22-2023 07:54 AM

What about this

https://m.youtube.com/watch?v=1zHe5-rbzR0

jimjamuser 09-22-2023 01:39 PM

Quote:

Originally Posted by Keefelane66 (Post 2259393)

That is sort of, an insanity quest (actually that just struck me as something cool, I need a T-shirt that says "insanity quest") They get themselves a world record in something that very few humans WANT to compete in. That would NOT "float my boat".

jimjamuser 09-22-2023 01:52 PM

Quote:

Originally Posted by Larchap49 (Post 2259392)
That's my point, all the concern about liability for golf carts going over 20 mph, if you register a cart as a LSV and insure it as such does that make it safer at the higher speeds or just make the ins co. more $. Also to my point if you are hit by a e-bike going 20 plus you better have good health insurance.

If an E-bike or a SMALL scooter hits a 4-wheel golf cart - the cart gets maybe (?) a small dent. The E-bike or scooter rider could get KILLED. Since the golf carts are the BIGGEST vehicle on the MMP, they are the ones that need speed regulated to under 20 MPH.
.......What is going on right NOW is the worst possible situation where the golf carts are NOT ALL going at the SAME average speed. So, its chaos to both the bicycle rider and the pedestrian. A bicycle is light and can DODGE out of the way of an accident - whereas a golf cart can NOT BECAUSE IT IS TOO heavy AND HAS TOO HIGH OF A CENTER OF GRAVITY. That's why all golf carts should drive under 20 MPH. Another reason is that Golf Carts are heavy and have a high center of gravity (gas ones do) so they do NOT stop well and their brakes are made for golf course braking, not on streets.

Keefelane66 09-22-2023 03:11 PM

Quote:

Originally Posted by jimjamuser (Post 2259517)
That is sort of, an insanity quest (actually that just struck me as something cool, I need a T-shirt that says "insanity quest") They get themselves a world record in something that very few humans WANT to compete in. That would NOT "float my boat".

And some people only want to squeeze another 5mph out of a golf cart, might as go all the way.

JMintzer 09-22-2023 04:03 PM

Quote:

Originally Posted by jimjamuser (Post 2259522)
If an E-bike or a SMALL scooter hits a 4-wheel golf cart - the cart gets maybe (?) a small dent. The E-bike or scooter rider could get KILLED. Since the golf carts are the BIGGEST vehicle on the MMP, they are the ones that need speed regulated to under 20 MPH.
.......What is going on right NOW is the worst possible situation where the golf carts are NOT ALL going at the SAME average speed. So, its chaos to both the bicycle rider and the pedestrian. A bicycle is light and can DODGE out of the way of an accident - whereas a golf cart can NOT BECAUSE IT IS TOO heavy AND HAS TOO HIGH OF A CENTER OF GRAVITY. That's why all golf carts should drive under 20 MPH.

Nonsense...

jimjamuser 09-22-2023 06:54 PM

Quote:

Originally Posted by Larchap49 (Post 2259392)
That's my point, all the concern about liability for golf carts going over 20 mph, if you register a cart as a LSV and insure it as such does that make it safer at the higher speeds or just make the ins co. more $. Also to my point if you are hit by a e-bike going 20 plus you better have good health insurance.

Please see post 105.

Larchap49 09-23-2023 09:42 PM

Dodging bicycle
 
Quote:

Originally Posted by jimjamuser (Post 2259522)
If an E-bike or a SMALL scooter hits a 4-wheel golf cart - the cart gets maybe (?) a small dent. The E-bike or scooter rider could get KILLED. Since the golf carts are the BIGGEST vehicle on the MMP, they are the ones that need speed regulated to under 20 MPH.
.......What is going on right NOW is the worst possible situation where the golf carts are NOT ALL going at the SAME average speed. So, its chaos to both the bicycle rider and the pedestrian. A bicycle is light and can DODGE out of the way of an accident - whereas a golf cart can NOT BECAUSE IT IS TOO heavy AND HAS TOO HIGH OF A CENTER OF GRAVITY. That's why all golf carts should drive under 20 MPH. Another reason is that Golf Carts are heavy and have a high center of gravity (gas ones do) so they do NOT stop well and their brakes are made for golf course braking, not on streets.

LMAO how many elderly e-bike riders going 20+ mph do you really think have the dexterity and ability to maneuver and dodge anything to avoid an accident? Certainly not my neighbor who has been laid up for a week after crashing an e-bike just riding it normally.


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