[ajbrown]

Originally Posted by iandwk

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.

I figured that is what you meant and were not saying you tailgate. I saw your word slip and poorly articulated how much I hate being tailgated. Sometimes when I write a post I think I am being funny or toungue in cheek and I fail. Sorry.

Alan

[iandwk]

Originally Posted by ajbrown

I figured that is what you meant and were not saying you tailgate. I saw your word slip and poorly articulated how much I hate being tailgated. Sometimes when I write a post I think I am being funny or toungue in cheek and I fail. Sorry.

Alan

I, too, am sorry. An earlier post was obviously misread or not read well and it seems conclusions were jumped to, so when you posted it kind of irritated me. One of the problems with a forum like this is that you aren't face to face having a conversation and intentions and meaning can get misconstrued.

If anyone is concerned about their golf cart being too fast or being altered, the Lady Lake policeman at the safety seminar said to look him up at Spanish Springs town square on Sunday evenings (he said he was too busy keeping track of juveniles Fridays and Saturdays) and he will be glad to go to the parking lot and use his radar gun to determine your speed. Before anyone gets the wrong idea, he also said that he will NOT give a ticket if your cart is too fast, but he would advise you as to your best options if it is. I thought it was nice of him to offer since many Villagers have carts that are too fast and don't know it and are therefore in danger of being ticketed for it.

[Bill-n-Brillo]

Good job working through that, guys......seriously! Nobody's going away in a huff or with misunderstandings.

Bill

[golfnut]

I would like to ask again my question from yesterday again, I would be interested to know if anyone has a golf cart policy issued through Allstate what does it state about speed, I would think it has to be stated in the policy document...gn

[Ohiogirl]

Originally Posted by golfnut

I would like to ask again my question from yesterday again, I would be interested to know if anyone has a golf cart policy issued through Allstate what does it state about speed, I would think it has to be stated in the policy document...gn

golfnut - it wouldn't need to say anything about speed - if the definition of a "golf cart" or "insured vehicle" on the golf cart policy can be interpreted as one going under 20 mph (since that is how golf carts are designed, or assumed to be designed) or anything similar, then it doesn't meet the definition of the insured vehicle. It wouldn't NEED to say anything about speed as they are not designed to go more than 20 mph.

It may or may not have been tested in court (since this is Florida, I'm betting it has been) but if the Allstate spokesperson said they test for speed then it appears they are being denied.

[iandwk]

Originally Posted by golfnut

I would like to ask again my question from yesterday again, I would be interested to know if anyone has a golf cart policy issued through Allstate what does it state about speed, I would think it has to be stated in the policy document...gn

Quoting from my Allstate policy:

We may deny coverage if you or an insured person have knowingly concealed or misrepresented any material fact or circumstance.

The premium for each off-road vehicle is based on information we have received from you or other sources. You agree to cooperate with us in determining if this information is correct, if it is complete, and if it changes during the policy period. You agree that if this information changes or is incorrect, we may adjust your premium accordingly or take other appropriate action.

It seems that if you insure it as an off-road vehicle, it must comply with the state of Florida's definition of an off-road golf cart. According to the police dept. that means 20mph or less. If it has been altered to go faster, I think we can assume the insurance company is not going to cover anything. This would mean that even if you never go over the speed limit and are involved in an accident with an altered golf cart, your insurance company won't pay any claims. At least that's the way I read it.

What it boils down to as far as I am concerned is that it just ain't worth it. Look up the 56 people who were caught in Sumter county over the last couple of months and ask them if it was worth it to them.

[phnzz]

We were specifically asked if the cart went under 20 miles an hour when we purchased our insurance.

[Bob45]

Originally Posted by iandwk

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.

For what it's worth, I have a Polaris Breeze and it came with seat belts, front and rear. Also it seems that the supports for the roof are stronger that most.
Bob

[Russ_Boston]

Originally Posted by iandwk

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.

The info wasn't necessarily from this forum. From time to time someone will post a link to a story about a cart accident.

I didn't have any issue with you being the messenger either. I was just stating my opinion about seat belts in carts. This is a forum, that is what we do. I apologize if it seemed personal.

[downeaster]

I don't have an Allstate policy . However my policy is clear on the subject. I am not going to dig it out but it says, in essence, that tampering or changing factory settings and/or specifications will void the policy. If I were to replace the motor it would have to be the same as the original equipment. Replacing the 8" tires with 10" tires would be in clear violation of the terms of the policy. Adjusting governors, changing gear ratios, etc., etc, will also violate the he terms of the policy.

I am probably repeating someone else but the policy does not have to spell that out. The insurer is insuring a golf cart. When it is altered to exceed 20 MPH it is no longer a golf cart but an unregistered motor vehicle.

Insurance companies do not like paying claims. That is one reason for adjusters. They are going to examine a cart that has been in an accident, regardless of fault. And if they can find cause to void the policy and return the premium instead of paying a claim not only will they do it, they are obligated to do it

[aaffmom]

I was also at the golf cart safety meeting. The Sumter County Sheriff who was present stated that the only tickets given out in the past couple weeks were for speeding carts were ones clocked going 25 mph or more. Warnings were given for carts clocked at 21-24 miles per hour. Some of the tickets were given to drivers in LSV's that were not registered which according to law enforcement at meeting is required by Florida law. Someone asked if you use LSV as a golf cart do you have to register and insure as auto. Answer by law enforcement was that an LSV is always an LSV and required by law to be registered insured and a valid license plate.

A gentlemen from Cart World said that an altered golf cart has more hp than manufactured golf cart. He also stated that Cart World has been asked in the past to determine speed of cart after accidents.

[downeaster]

Originally Posted by aaffmom

I was also at the golf cart safety meeting. The Sumter County Sheriff who was present stated that the only tickets given out in the past couple weeks were for speeding carts were ones clocked going 25 mph or more. Warnings were given for carts clocked at 21-24 miles per hour. Some of the tickets were given to drivers in LSV's that were not registered which according to law enforcement at meeting is required by Florida law. Someone asked if you use LSV as a golf cart do you have to register and insure as auto. Answer by law enforcement was that an LSV is always an LSV and required by law to be registered insured and a valid license plate.

A gentlemen from Cart World said that an altered golf cart has more hp than manufactured golf cart. He also stated that Cart World has been asked in the past to determine speed of cart after accidents.

Good info,aaffmom.

I see this is your first post. Welcome to the forum.

[Bill-n-Brillo]

Originally Posted by downeaster

Good info,aaffmom.

I see this is your first post. Welcome to the forum.

Ditto. Thanks for the post, aaffmom!

Bill

[EdV]

I don’t know where these ‘officials’ are getting their information from but a roll bar is absolutely not a requirement of Florida law for classification as an LSV/NEV. And few of the current LSV manufacturers provide them. In fact, my Tomberlin LSV comes close to it but they call it tip over bars designed to help prevent the cart from actually rolling over onto its roof.

Secondly, the golf cart manufacturers don’t include safety belts for their carts because it would increase the cost and they would get laughed out of the industry. I mean, what golfer is going to buckle and unbuckle themselves 100 times in a round of golf.

And I agree with RussBoston that there are few true complete rollover accidents with golf carts. Just go to YouTube and search for golf cart crash and you’ll see lots of tipovers, but nary a rollover.

[iandwk]

Originally Posted by Russ_Boston

The info wasn't necessarily from this forum. From time to time someone will post a link to a story about a cart accident.

I didn't have any issue with you being the messenger either. I was just stating my opinion about seat belts in carts. This is a forum, that is what we do. I apologize if it seemed personal.

It did seem personal. As I said in a previous post, that's the one problem with e-communication. In a face-to-face conversation we can easily understand what the other person means. It's easy to misunderstand when reading it in a forum such as this. I apologize for jumping to conclusions (a flaw my wife constantly reminds me of).

The Sumter county police officer at the safety seminar said they have about 1 accident per month with golf carts, and most of them require an airlift. He said there are usually 2 types of injuries. One is from being thrown out of the cart because the driver took a turn too fast and the other usually is the result of curbing one of the front tires, causing the cart to flip over. If you hit a curb while driving flat out at around 20mph, it causes the cart to swing sideways and flip over. Seat belts would help in the first but could cause more severe injuries in the second. He also said the best thing for us to do when driving a cart is not get tanked up at the squares and then drive home in our carts, which is when most of the accidents tend to happen.