speed vs insurance

[npwalters]

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.

[Bill14564]

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.

Florida statute defines a golf cart as having a maximum speed 20mph. If it is capable of going faster than 20mph but not faster than 25mph then it is a LSV. If it is higher than 25 then it must fall into another classification. Note that unlike your car, the definition is not dependent on how fast the vehicle was actually traveling, it is dependent on how fast the vehicle is capable of traveling.

[John Mayes]

Florida statute defines a golf cart as having a maximum speed 20mph. If it is capable of going faster than 20mph but not faster than 25mph then it is a LSV. If it is higher than 25 then it must fall into another classification. Note that unlike your car, the definition is not dependent on how fast the vehicle was actually traveling, it is dependent on how fast the vehicle is capable of traveling.

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?

[Bill14564]

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?

Mine has hit 23 going down some of the bridges. I'm sure it has also hit 60 while being carried on the back of a truck and who knows how fast it would go if it was dropped from an airplane.

Dig into the Florida statutes and you might find the test conditions for the 20mph limit determination.

20+ downhill isn't likely to be an issue (especially as rare as hills are). On the other hand, 23mph along Pinellas Place could be an issue.

[John Mayes]

Mine has hit 23 going down some of the bridges. I'm sure it has also hit 60 while being carried on the back of a truck and who knows how fast it would go if it was dropped from an airplane.

Dig into the Florida statutes and you might find the test conditions for the 20mph limit determination.

20+ downhill isn't likely to be an issue (especially as rare as hills are). On the other hand, 23mph along Pinellas Place could be an issue.

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.

[BrianL99]

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.

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.

[njbchbum]

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.

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.

[birdiebill]

Technically, if an LEO stops a cart going 20 to 25 mph, the driver will not get a ticket for speeding. Since a cart going that fast is not a golf cart, but is a Low Speed Vehicle, the ticket will be given for driving an unregistered vehicle if the cart is not registered, insured, and licensed. The next question would be if insured, was it insured as an LSV or a golf cart.

[npwalters]

The sheriff's office would have no knowledge on insurance coverage following a golf cart incident.

[Johnnybgood]

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

[Harleyman]

I was an insurance broker for forty years in Canada. There is nothing in your policy about your max speed being 20 mph. The only way they would know you were speeding is if a policeman was standing there with a radar gun when you crashed. What are the odds. Setting your speed a few miles over the limit has no effect on your insurance, in my opinion.

[MidWestIA]

Wanted to make sure I was covered if my cart was stolen like in the squares or Walmart homeowners covers it - for $1,500. Ended up I had to get something like motorcycle insurance

[mraines]

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.
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?

[maggie1]

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

You were acquitted and still required to pay $350 for court costs and probation office?! Acquitted, as I understand the definition, means the evidence wasn't there for a conviction, or the officer didn't show up to testify. Why would you have been charged that chunk of change under those conditions? Acquittal equals "not guilty", and the cost of the action should be borne by the state. Does anyone else have an explanation?

[Fastskiguy]

There are many golf carts in TV that go over 20 mph.

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

[samquiros]

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.

[golfing eagles]

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.

Funny that I've never seen a speed limit sign on the MMPs, which are not county roads and according to others can only be "patrolled" for DUI, not speed. Of course, if anyplace needs to have a 20 speed limit, it is the MMPs especially approaching blind curves. There are some pretty unsafe cart drivers (and cyclists) out there.

As far as the other parts of that post go:

19.9 in a golf cart is safe but 20.1 is not???? I doubt it.
Anyone who goes 20.1 in a golf cart at times is "making a habit of breaking the law"?
You "avoid" going over 20? That implies your cart is capable of going over 20 which in and of itself makes YOU a "law breaker" :1rotfl::1rotfl::1rotfl:

[wfgross58]

Low Speed Vehicles - Florida Department of Highway Safety and Motor Vehicles (https://www.flhsmv.gov/safety-center/consumer-education/low-speed-vehicles/)

[Marmaduke]

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.
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!

[bogmonster]

It’s not carts going 20.1, but rather much faster. I clocked my buddies cart at 32 mph

[Marathon Man]

Golf Cart Citation Story | Inside The Bubble (https://www.insidethebubble.net/golf-cart-citation-story/)

[KenLee100]

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.

This is an old "Karens" tale.
Your liability will cover anything not excluded in your policy.
That said, you could be held liable in a civil suit if a court finds you negligent.
Disclaimer: I am not a lawyer, nor do I play one on TV.
This is not legal advice.

[golfing eagles]

It’s not carts going 20.1, but rather much faster. I clocked my buddies cart at 32 mph

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.

[HawkinsGuy]

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

So what’s so wrong with that? I love my old wife’s tail!

[wamley]

Looks like there's a 5MPH grace period written into the law for golf carts. @20 MPR setup, but not violated by up to 25MPH. golf card over 25MPH is an LSV. I would think that a flat surface would be the test criteria for the 20MPH since different hills would produce different speeds. However, the gas cart will not respond to more gas going downhill once your at the setup speed. My gas Yamaha is setup for 20MPH it will go 22-23 mph going down some of the steepest hills and maybe a little more going down the bridge over 441 to Orange Blossom.

[Quickdraw]

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.

If your question is limited strictly to the matter of insurance coverage and denials of same, although many may have opinions about this subject, the correct answer to this inquiry is to read your policy. If an activity or a circumstance is not excluded from coverage, based upon the terms and conditions of your policy, it should not void your coverage. Questions about how law enforcement may treat any golf cart or LSV, based upon their tracked speed is another matter entirely.

Quickdraw

[golfing eagles]

Looks like there's a 5MPH grace period written into the law for golf carts. @20 MPR setup, but not violated by up to 25MPH. golf card over 25MPH is an LSV. I would think that a flat surface would be the test criteria for the 20MPH since different hills would produce different speeds. However, the gas cart will not respond to more gas going downhill once your at the setup speed. My gas Yamaha is setup for 20MPH it will go 22-23 mph going down some of the steepest hills and maybe a little more going down the bridge over 441 to Orange Blossom.

Could you please cite the Florida statute that has "5 MPH grace period written into the law"?

[MartyW]

New to TV. Not an insurance agent, LEO OR Legal Beagle, but I have seen many signs through out TV that states max speed is 20MPH unless otherwise posted. As you say, haven't seen a sign on the MMPs, but I can't imagine the MMPs are higher speed limit than the shared roads.... IMHO
Funny that I've never seen a speed limit sign on the MMPs, which are not county roads and according to others can only be "patrolled" for DUI, not speed. Of course, if anyplace needs to have a 20 speed limit, it is the MMPs especially approaching blind curves. There are some pretty unsafe cart drivers (and cyclists) out there.

As far as the other parts of that post go:

19.9 in a golf cart is safe but 20.1 is not???? I doubt it.
Anyone who goes 20.1 in a golf cart at times is "making a habit of breaking the law"?
You "avoid" going over 20? That implies your cart is capable of going over 20 which in and of itself makes YOU a "law breaker" :1rotfl::1rotfl::1rotfl:

[golfing eagles]

New to TV. Not an insurance agent, LEO OR Legal Beagle, but I have seen many signs through out TV that states max speed is 20MPH unless otherwise posted. As you say, haven't seen a sign on the MMPs, but I can't imagine the MMPs are higher speed limit than the shared roads.... IMHO

Apples and oranges......

[BrianL99]

Golf Cart Citation Story | Inside The Bubble (https://www.insidethebubble.net/golf-cart-citation-story/)


Driving on a public road is a giant leap from driving on an MMP.

[Wondering]

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.

[cliff02]

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 .

[neilbcox]

The law is the law but I see many who changes their govenner for speeds around 30. These carts were engineered for 20. At speeds exceeding that the cart becomes very unstable and your risk of major injury increases

My question is why do these speeders think they need this extra speed. Save your life and leave 10 minutes earlier!

[Dr Winston O Boogie jr]

I was an insurance broker for forty years in Canada. There is nothing in your policy about your max speed being 20 mph. The only way they would know you were speeding is if a policeman was standing there with a radar gun when you crashed. What are the odds. Setting your speed a few miles over the limit has no effect on your insurance, in my opinion.

I think that you may have missed a point. The law is not about how fast a cart was going at the time of the accident, it's defines a golf cart as a vehicle not CAPABLE of exceeding 20 mph.

If you insure your golf cart as a golf cart and it is capable of going over 20 mph, you have deceived to the insurance company.

A golf cart that is capable of exceeding 20 mph is defined as a Low Speed Vehicle. It cannot be capable of exceeding 25 mph. It must be registered and insured as an LSV and must have certain additional safety equipment that golf carts are not required to have.

[Bill14564]

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.

Without knowing which post you are so upset about, this post is pretty useless itself.

[golfing eagles]

......... 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.

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??????

[Dantes]

Electric carts can go 30 out of the box

[Bill14564]

Electric carts can go 30 out of the box

Mine didn't come from a box, it came from a dealer who configured it to be 20mph.

[BrianL99]

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.

[OhioBuckeye]

Well I’m sure if you have a fender bender in your golf cart you won’t have time to reset your Governor back to factory specks. A car manufacturer doesn’t set the Governor to go highway speeds. Just don’t touch the speed of your cart. But I know some people will & I’m sure your Ins. Company won’t either! Just leave your fingers off the speed, you probably won’t save 5 or 10 mins.

[golfing eagles]

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]

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]

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]

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]

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]

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]

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]

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]

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

[jimjamuser]

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]

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]

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]

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.


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?

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]

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]

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]

Golf Cart Citation Story | Inside The Bubble (https://www.insidethebubble.net/golf-cart-citation-story/)

"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]

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]

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

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

[JMintzer]

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]

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]

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]

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]

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]

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]

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]

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]

My golf cart has this sticker on the dash

[Marmaduke]

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]

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.

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

Well I have to question how big the bottle of fireball is?:)

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

[JMintzer]

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]

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]

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]

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

Real objective evidence!!!

[JMintzer]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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]

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

[Bill14564]

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]

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]

What about this

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

[jimjamuser]

What about this

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

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]

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]

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]

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]

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.