Talk of The Villages Florida
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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/)

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.

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.


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