It’s exciting to be in the market for a golf cart. For many, it’s seen as a convenient mode of transport, particularly in communities like the one we call home. But in this enthusiasm, one could unintentionally end up purchasing what is considered to be a “Low-Speed Vehicle (LSV)” rather than a “Golf Cart”. It’s important to know the distinction, per the law, and how it impacts insurance. It is essential to note that Golf Carts and LSVs can be very similar looking. *Section 320.01(41), Florida Statutes, defines LSVs as “any four-wheeled vehicle whose top speed is greater than 20 miles per hour, but not greater than 25 miles per hour.” LSVs must be registered, titled, and insured with personal injury protection (PIP) and property damage liability (PDL) insurance. When an Insurance Company is reviewing an application for Golf Cart insurance, they not only ask the top speed the Golf Cart can travel, but they will also run the “VIN” or “serial number” through a decoder software to determine if it was manufactured as a Golf Cart or LSV. If the vehicle you’re considering has a 17-digit VIN, it is more than likely an LSV. Most Insurance Companies will not insure an LSV as a Golf Cart, even if the speed has been adjusted on the unit so that it does not exceed speeds of 20mph. If designed to be an LSV, it will need to be insured under your automobile policy in most cases. *https://www.flhsmv.gov/safety-center/consumer-education/low-speed-vehicles/
Why Join The VHA?
-
Communication
Bring YOUR voice to our community
-
Education
News and courses to enlighten and inform
-
Volunteering
Because we can't do our job without you!
-
Social Opportunities
Spend time with fellow residents and create friendships along the way
-
Philanthropy
Providing for those in need through our VHA Foundation and Helping Hands
Previous Article:
