[paulandjean]

There are also plenty of people that live here that do not have cart insurance. Going 19.9 or 25.9 it makes no difference.Myself my cart is on the faster side about 25 mph,I prefer it that way.Few times I needed the extra speed to prevent accidents.I have insurance but many do not.

[GatorFan]

Do you have an auto policy or a golf cart policy? If a golf cart policy and your cart goes over 20mph you might want to call your agent and find out if you really have coverage. I would think the answer is a big NO. Best to know for sure before an accident than after. If answer is YES get it in writing.

[pooh]

Originally Posted by paulandjean

There are also plenty of people that live here that do not have cart insurance. Going 19.9 or 25.9 it makes no difference.Myself my cart is on the faster side about 25 mph,I prefer it that way.Few times I needed the extra speed to prevent accidents.I have insurance but many do not.

How do you know that not many have insurance for their cats? People you've talked with?

[downeaster]

Originally Posted by paulandjean

There are also plenty of people that live here that do not have cart insurance. Going 19.9 or 25.9 it makes no difference.Myself my cart is on the faster side about 25 mph,I prefer it that way.Few times I needed the extra speed to prevent accidents.I have insurance but many do not.

It makes a big difference. The law is very clear. If you choose to ignore the law you are not only risking fines. You are also risking voiding your insurance. It seems a lot of people are not aware of the seriousness of the risks involved.

These risks have been mentioned numerous times in the past on this forum.

I hope you are wrong about plenty of people here not having insurance.

By the way. Your cart wouldn't even be classified as an LSV as it is capable of exceeding 25MPH.

Extra speed to prevent accidents? Interesting. Care to elaborate?

[buggyone]

Originally Posted by paulandjean

There are also plenty of people that live here that do not have cart insurance. Going 19.9 or 25.9 it makes no difference.Myself my cart is on the faster side about 25 mph,I prefer it that way.Few times I needed the extra speed to prevent accidents.I have insurance but many do not.

Check out this link about golf carts vs Low Speed Vehicles (Street Legal).

You can find yourself paying a huge fine if stopped by a police officer as well as finding yourself uninsured for liability if you are in an accident - thus wiping out all you have worked all your life to achieve.



Laws & Regulations for Low Speed Vehicles & Golf Carts in Florida

[jgbama]

Originally Posted by dkrhardy

Graciegirl - he is from Alabama so you gotta give him a break on spelling. I lived in AL for 6 yrs and I "think" that my dear friend means SKUNK sprayer. He is officially moving here on the 17th of Sept. and I will introduce him to a spell checker that he can use.
We love ya John!
Don & Kaz

I did use a speil chicker. Musk knot hav caute it? "Shunk" is actually a blended scent... skunk and (well, use your imagination)! [Just kiddin' folks...poking a little fun at my dear friend Don. The man whose wife beats him at golf!!]

[paulandjean]

Originally Posted by pooh

how do you know that not many have insurance for their cats? People you've talked with?

yes

[nitehawk]

Just put Golf Cart Speed in a title and all of the experts come out to tell you what the law is - is it on a path or road side - how old driver is - same old - same old - just search for golf cart speed - i am sure there are numerous threads about golf cart speed ------ My golf cart goes 15 mph just so the people with the 19.9 mph can pass me

[Disneychix]

I checked with my insurance co. and yes it is forfeited should I be in violation. I only pay $115.00 a year and the insurance co. said that I only have liability therefore if I cause an accident and I total my $12,000. golf cart my insurance will cover for liability but not for me or my golf cart. They explained that for that price they would be out of business if they covered bodily injuries and my cart. Now they also said that if I caused the accident and I was in speed violation my insurance would be voided as it is an off road vehicle and not to exceed 20 miles per hour therefore the other person in the accident could sue me and go after what ever I own. I asked should I not be going over the speed limit when the accident occurred how could I be in violation and he said that if my cart is set with no governor restrictions I would not be covered. He suggested that I register my cart and make it street legal but he gave me the price and it is very expensive and that is only 28 mph. I will use my car when I'm in a hurry and I will drive in accordance to the law because otherwise I am spending $115.00 a year for nothing.

[goodgrief]

Well I would think that grandma or grandpa would have to come get there 14 year grandkid because I highly doubt the officer would allow him/her to continue on there merry way. So thats how they know who the kid is Because the owner of the golf cart would have to come get the cart and kid.

[downeaster]

Originally Posted by Disneychix

I checked with my insurance co. and yes it is forfeited should I be in violation. I only pay $115.00 a year and the insurance co. said that I only have liability therefore if I cause an accident and I total my $12,000. golf cart my insurance will cover for liability but not for me or my golf cart. They explained that for that price they would be out of business if they covered bodily injuries and my cart. Now they also said that if I caused the accident and I was in speed violation my insurance would be voided as it is an off road vehicle and not to exceed 20 miles per hour therefore the other person in the accident could sue me and go after what ever I own. I asked should I not be going over the speed limit when the accident occurred how could I be in violation and he said that if my cart is set with no governor restrictions I would not be covered. He suggested that I register my cart and make it street legal but he gave me the price and it is very expensive and that is only 28 mph. I will use my car when I'm in a hurry and I will drive in accordance to the law because otherwise I am spending $115.00 a year for nothing.

Thank you for sharing this with us, Disneychix. Read it carefully, folks. It isn't good news for those with modified carts.

[Gat0r]

We moved to TV from Tampa Bay. We moved here to retire and get away from the fast track. Before we moved here I joined TOTY and read about cart speed before buying a cart I had the option of a faster cart but stayed at 19 mph. I didn't come here to see how fast I could get around but to slow down and enjoy TV.I like the slower speed and don't mind getting passed (or gassed) I read that if you have a cart that exceeds 20 mph and are on a diamond lane and going over 20 you will be ticketed for driving a unlicensed, unregistered and uninsured vehicle.(is this correct?)
Slow down and smell the Gardenias

[paulandjean]

Originally Posted by goodgrief

Well I would think that grandma or grandpa would have to come get there 14 year grandkid because I highly doubt the officer would allow him/her to continue on there merry way. So thats how they know who the kid is Because the owner of the golf cart would have to come get the cart and kid.

Maybe not, Maybe grandma and grandpa would leave him there...........