Florida Auto Policy Covers Modified Golf Cart: Court

 Tuesday, July 23, 2013

 Insurance Journal

A Florida appeals court has ruled that an automobile insurer must cover a Florida man for injuries from a collision in a golf cart that had been modified to exceed a speed of 20 miles per hour. The ruling overturned a lower court that found that the auto insurance policy was not triggered because the golf cart was not built for use on paved public highways. The appeals court concluded that the vehicle that had been modified to exceed a speed of 20 miles per hour fell within the statutory definition of a “low speed vehicle” and, as such, was a “motor vehicle” under state law. Florida law requires that an insurance policy insure the insured person for damages “arising out of the use by the person of any motor vehicle not owned by him or her.”
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