[spk7951]

Originally Posted by BogeyBoy

This has been mentioned over and over. Does anyone have a documented case of either a golf cart or automobile accident where the insurance company refused to pay because the vehicle was not obeying a traffic law? I was involved in an accident some years ago where the driver of the other vehicle was cited. That means it was in writing that they broke the law, yet the insurance company paid the claim. One of my cars will do 140 mph so by this logic I will never have any problem with insurance claims with that vehicle. (I rarely drive over 140!)

Who determines "designed" maximum speed? I personally agree that golf carts are not designed to go over 20 mph. Brakes, steering, suspension, lack of protection, and tires are all factors. Just because you add seat belts and increase the power doesn't change the initial design of the cart. (When I see one speeding down the road I cringe at the though of their head hitting the pavement when they roll over. Sorry, that lap belt isn't going to help.)

I can not give you examples of where an insurance company may have refused to pay a client. Having said that the following is on the back page of my Progressive golf cart policy
"Coverage for physical damage to your golf cart extends only to the vehicle as it comes from the factory. Accessories added on at the dealership or by an individual, and therefore not provided as original equipment by the manufacturer, are not considered part of the vehicle as delivered from the factory."

My interpretation of that is that the insurance company could, if they wanted to, deny me coverage if I altered my golf cart beyond factory build.

[downeaster]

Originally Posted by paulandjean

talk host, sorry you are wrong.never heard of insurance company doing a check for speed. seems you are little caught up in the hype

And TH replied:
"Okay, have it your way, but just because "you have never heard of it" doesn't make it fact. You may continue under your assumption. I think others should be much more concerned about their safety, the law and the possible consequence. You better hope you never get caught."

I am not sure what "hype" you think TH may be caught up in but I think he is right on the money. I would add to his comment "You may continue under your assumption", by saying "the proof of the pudding is in the eating." Paulajean, you may find out the hard way that it is not hype.

And someone else said, "I have a hard time believing that if someone has an accident and the police find that the golf cart was exceeding the speed it was designed for that the insurance company would overlook that information."

That comment is right on the the money too. As one whose career was in insurance let me also add you have no idea to what lengths an insurance company will go to deny a claim.

[Pturner]

Originally Posted by downeaster

As one whose career was in insurance let me also add you have no idea to what lengths an insurance company will go to deny a claim.

I've never worked in insurance, but I believe you, Downeaster.