Well, at least a few of you know where to look for the statutes and are not just spouting off what someone else told you.

I give up.

As far as the statutes goes, it's an LSV and needs to be licensed. It doesn't change the fact it's a golf cart that goes a little faster. The two issues are not "intertwined".

Somebody please qoute the clear policy language that invalidates insurance coverage if the golf cart is modified. The statutes don't invalidate the insurance contract, the policy language does. At the end of the day, from the insurance perspective, it's still a 2006 Yamaha golf cart. What it's called in a specific state statute doesn't change the policy definition.

The insurance company I worked for would not invalidate the policy because the golf cart was modified. But how would I know? Well simply, I would be the guy who would invalidate it. That's what I did for a living for 33 years. But then again, State Farm is a small company.

I really don't know how to make this any clearer. If it's not excluded in the policy, it's covered. Just like "show me the money" in the movie, show me the policy language.

Readers of this forum would rather tell you what they were told by so and so and what they believe, instead of getting the facts.

it's simple. If you have a cart that exceeds 19 miles per hour, call your agent and ask. Tell them the truth and see what they say. Otherwise, you can find out when you have a huge claim filed against you. If you have not altered your cart, this is not an issue that you need to be concerned about.

Not really sure why anyone would want to make an issue of this. If you read your policy I think it states off road vehicle. A vehicle that by law is a motorized vehicle is not an off road vehicle and must comply with Florida law when it comes to insurance.

Why not just follow the law? If you want a vehicle that goes fast, buy a LSV and buy the required insurance. If you want a golf cart, then buy a golf cart that by Florida law is a golf cart.

Good Point, if everyone followed the law we wouldn't be worried about speed traps or whether we are covered or not after we make our golf cart into a street rod. I prefer to see everyone following the rules. Good luck with that in TV though.:undecided:

Amen!

Wow - my cart goes 18mph on the flats. Down hill I gain speed. Now what happens ? I get a ticket for speeding = common sense. Do I also get a ticket for non registered LSV ? Is my insurance revoked ? Have you ever known a lawyer that wouldn't argue the interpetation of a law ? Oh yea I forgot, that's what they do for a living. AMEN AGAIN.

I agree-- thank you

Almost everything I have ever learned, I have learned from someone else. When I got this information from a lawyer who specializes in golf cart cases, I kinda thought it was accurate. But then I went to someone else, who I consider an expert.

My wife spent 35 years in the insurance business. I asked her opinion and when it corresponded with that of the attorney, I stopped there.

I didn't feel the need to go checking elsewhere.

Again, the best thing to do is call your agent and say, "I have altered the safety equipment on my golf cart. Instead of the factory set 19 miles an hour, I have put a high speed motor and high speed rear end in it. It now goes almost 50% faster than when you insured it. Am I covered if I happen to run into a bus?"

They will tell you if you are protected.

I hope somebody will let us know what their agent says.

We were not asked how fast our carts go by our insurance agent.- I doubt mine goes 19 mph, but my husband's does go faster. I would think this would fall under errors and omissions coverage for the agency if the insurance company denied it and had required that information.

320.01 Definitions, general.--As used in the Florida Statutes, except as otherwise provided, the term:

(42) "Low-speed vehicle" means any four-wheeled electric vehicle whose top speed is greater than 20 miles per hour but not greater than 25 miles per hour, including neighborhood electric vehicles. Low-speed vehicles must comply with the safety standards in 49 C.F.R. s. 571.500 and s. 316.2122.

If your Golf Cart is capable of going more than 20 miles per hour it is classified as a LSV. It is no longer considered a Golf Cart so you would need insurance that is required for an LSV.

I really don't know why this is so hard for people to understand.

bimmertl,
As a former Claims Rep for Aetna C & S, I endorse your position...More folks need to read the policy before passing on what may, or may not be covered.:bowdown:

IMHO, this topic has been raised so many times in the past I've lost count, this post only serves to add to the total number of posts on this site, why is left to your own interpretation...GN

Is there some illness associated with adding to the total number of posts on this site? It exits for the purpose of conversation. That is normal human behavior.