iandwk I hear you but I would be interested to know if anyone has a golf cart policy issued through Allstate what does it state about speed, it has to be stated in the policy document I believe...gn

I would think that once the golf cart exceeds 20 MPH, it is no longer considered a "golf cart" and therefore no longer covered as one by the insurance policy.

When you get here look me up, I am in Buttonwood so right down Triggerfish

Hi neighbor,we are at Amberjack Villa's. Bring your pooch over and say "hi" ( but wait 2 weeks for us to sign)

iaudit, i understand what you think and totally agree with you but i was just looking for someone that might have their allstate policy handy that might be able to clear the air, as a side note if you are involved a golf cart accident how would it be proven that you were going 22MPH as opposed to 19.9MPH ....gn

Because they would take it to a dealer who could tell whether or not it had been altered to increase the speed. This is according to the Allstate agent. The insurance company is not concerned about whether you DID go that speed, but whether you COULD go that speed. Altering the vehicle gives them an out on paying the claim.

Here's what I think of that: I've been reading about serious golf cart injuries over the past three years on this site and the overwhelming majority are where someone has been thrown out of the cart. I can only remember 1 roll over where there was serious injury.

Give me belts!

These are real world results that we read about in our hometown. If you have real world examples of roll over where people are crushed I'd like to see it.


Remember this: This is the same type of government crap from the same type of people that don't mandate seat belts in school buses!

Wouldn't it be an interesting twist if insurance underwriters are using this forum on speeding to identify likely scofflaws so that they can charge higher premiums or deny future claims?

Careful...you might give the police department another idea .....A Lawn mower permit !!! Am I allowed to run faster then 15 mph ?

They never said you could NOT have seat belts. They simply explained the reason that the manufacturers do not include them as standard equipment.

Please don't shoot the messenger. I am only reporting what was said at the safety seminar. Like it or not, this is the way it is. If you want seat belts, by all means put some in. I doubt they will ticket you for doing so.

As to where you get your statistics from, this forum is not the best place. Check with the police and they can give you some accurate information.

Haven't read the policy (I'm a former auto claims adjuster, but my policy has been physically moved to the Villages, and I'm still in Ohio), but my guess is that claims will be denied if the golf cart does not meet the DEFINITION of a golf cart as delineated in the policy.

Coverage is the first thing a claims adjuster is supposed to look at, including definitions. That is why is wouldn't matter how fast the vehicle was actually going (which probably isn't provable anyway).

Someone will probably chip in and say that their claim was paid even though their cart was altered to go 25 mph - well, guess what, might depend on how good or well-trained the adjuster was who handled the claim.

I agree with Ohiogirl, and what she says about insurance is pretty much what the Allstate agent said at the safety seminar. I think the bottom line is that one can do as one pleases. Pay someone to illegally alter your cart to go faster. According to the police it isn't illegal for them to alter the cart, but it is illegal for you to drive it after they do. Strange, huh? But do so with the knowledge that you may end up in some big time financial difficulties if you choose to do so because your insurance may be useless.

We all have the right to question any law and complain about it. I do it all the time. But I just don't have it in me to go out and break the law just because I disagree with it.

As far as Villagers getting caught speeding, I sympathize with them. A lot of them have carts they bought not knowing they were altered. We rented a house when we first got here. It came with a Yamaha gas cart. It was the first time we had driven a gas golf cart, and I noticed I was constantly tailgating people with it, so we took our gps out one day and checked the speed. It was doing 27mph. I don't know what would have happened if we were caught with it, and we can argue from now on who would be responsible. It was definitely insured as a golf cart. The owner required us to buy our own insurance before he agreed to leave it with the rental. We could possibly have been in all kinds of legal trouble if we had been involved in an accident. I'm sure I'm not the only one who has done this, since there are many rentals in TV that include the cart.

When we rented out our CYV after we bought and included a golf cart, I checked with our Allstate agent to make sure the coverage transferred to the tenant and I also had a separate lease for the golfcart - didn't charge extra for the cart, but the lease made the tenant responsible for any damages beyond the coverage on our policy. It also stated no more than 2 people, etc. Glad I never had to test it by making a claim.

Never had our speed tested, nor did we have a GPS at the time, but I could tell it wasn't altered because we were/are constantly being passed on the paths. I do know it went quite a bit faster than the carts the Villages provided for the Lifestyle program, as I had a friend who stayed there and we pulled well away everytime they followed us somewhere. Those were practically the only carts we ever passed.

Even in our slow cart, there are many places (especially curves into and out of tunnels - and of course, the Morse Rd bridge over Lake Sumter) where we slow quite a bit to feel safe. And frequently another cart would tailgate scarily when we did this.

Plus, even on a straightaway, it's pretty scary when an oncoming cart is racing toward you, has mirrors that extend outward and maybe a knee sticking outside the cart. I personally think they should make those mirrors illegal. We added an extra mirror on the driver's side but it doesn't stick out of the cart - the middle mirror (convex) does the job, but as a car driver we are so used to looking left we just feel safer.

We plan to get seatbelts in our 2nd cart (a 4 seater that we will for sure use when the grandkids are visiting. If we like them, may add to our other cart. I'm a little worried the buckle part will get really really hot when left parked somewhere.

Hoping you mean "I constantly COULD HAVE tailgated people with it".

I shouldn't have to explain this, but what I meant was that I was constantly catching up to others and having to either pass or back off. Of course I didn't stay right on their tail. I'm sorry my choice of words offended you. If you haven't noticed, it's a lot like when you drive a car and you are going faster than the one in front of you. You catch up and either pass or back off.

Did I say anything else that someone can take offense at? This is the 2nd time in this thread that something I have said has been questioned. If so, let me know and I will attempt to straighten out what I meant. It's kind of difficult to say everything in a post without making it so long that it starts getting boring.