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Gem electric car or low speed vehicle insurance

Old 12-19-2017, 01:45 PM
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Default Gem electric car or low speed vehicle insurance

I bought a polaris gem electric car to drive around my Florida neighborhood. It is considered a low speed vehicle (lsv) and when it has tags can be driven on roads with speed limits of 35 or less. The problem is the insurance, they want to count it as a real car and add it as a 3rd vehicle to my policy for 380 bucks with no comp or collision. My buddy has a bad boy buggy that is registered as a lsv for street use and the florida tag office told him he didnt need insurance and renewed his tags without it. He even had an accident with injuries on the road and nobody ever asked for insurance. I think it does need insurance but thought it would be cheaper, my agent originally thought it would be about 69 bucks.

Does anyone have one? If so how did you get insurance and how much?
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Old 12-19-2017, 02:43 PM
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I'm curious to. I have a registered Zone LSV. Allstate quoted me 1900 per year for mine.
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Old 12-19-2017, 03:50 PM
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Thought about buying an LSV (not a GEM) and yes Florida does require the same insurance on an LSV as any other on-highway vehicle before you can get it registered.
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Old 12-19-2017, 05:24 PM
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I built an LSV out of a Club Car golf cart and I carry full insurance on it. Costs about $600 a year. More than I would like but I have umbrella insurance so I have to keep it covered regardless of what the State says.
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Old 12-19-2017, 05:56 PM
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A few carriers will write these as specialty vehicles. I know Progressive (USAA) is one.
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Old 12-19-2017, 06:00 PM
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Originally Posted by Leeroyjenkins View Post
A few carriers will write these as specialty vehicles. I know Progressive (USAA) is one.
Yes, my policy is USAA. They know exactly how to handle it but the cost is almost as much as a car. Full coverage though.
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Old 12-20-2017, 10:17 AM
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That is also what I found so I just drive my golf cart as a cart, exploiting the fla statute about utility vehicles in a community 316.2127 (I am an officer and designated maintenance man in the community assn)
I never leave the neighborhood tho and I do have a ladder on the roof and a tool box on the back.
So far so good but we are a small place on a dead end street so there is no traffic of any significance. I do see unlicensed carts up by US41 tho and I am not sure how they get away with it. I guess as long as you are not right on the road it is OK.
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Old 12-20-2017, 10:54 AM
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That's a good point. We see a lot fewer unlicensed carts then we used to. And a substantial growth in licensed carts. But we are in a small town, not a subdivision. And of course this time of year I see UPS running all over here with unlicensed carts and trailers.
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Old 12-20-2017, 11:23 AM
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My buddy converted a Club Car into an LSV and paid insurance for 2 years before he decided that was enough of that and didn't renew the plate.
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Old 12-20-2017, 04:46 PM
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I have an appointment in Friday at the tax office. I guess I will find out what they think I need to have.
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Old 12-21-2017, 05:28 AM
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Subject to the same state minimums as a passenger car.

Have you looked at if your area allows golf carts on roads? Some municipalities do if the road speed is less than 30mph (varies by area)
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Old 12-21-2017, 05:58 AM
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Originally Posted by crazybeard View Post
Subject to the same state minimums as a passenger car.

Have you looked at if your area allows golf carts on roads? Some municipalities do if the road speed is less than 30mph (varies by area)
Our area does not. I can legally drive it on any road as long as it is 35 miles an hour or less, but it has to have tags. I have been reading up on this quite a bit over the last few days and it appears that a lot of people are getting extremely cheap golf cart insurance or off road vehicle insurance and somehow using that get their tags. I'm not sure what would happen if they get caught I'll get in an accident but like I said my friend was involved in a personal injury accident nobody ever asked him about insurance. The police were there and did report and he never got ticketed for anything there were substantial medical bills and nothing ever came up about the carts insurance. I have an appointment with the tag office tomorrow I think I may just bite the bullet and get the insurance and that way I don't have to worry about it at all.
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Old 12-21-2017, 07:12 AM
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Personally I would want extra good personal medical cover. If something happens with a car speeding on one of those roads you could stand to get a serious injury.

As also mentioned if you have umbrella coverage you may need increased liability as well. If you don’t have an umbrella and have any significant assets it is something you should look into. Cheapest liability you can get but it does require the other policies to have higher limits as well. Generally I haven’t found it very expensive.
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Old 12-22-2017, 10:37 AM
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Well, looks like im getting regular insurance. They said without question if a golf cart or gem car is to be registered like a low speed vehicle in to be operated on the road it has to have tags which means also has to have insurance like a car. My buddy is calling the dealer where he bought his to find out how they registered it because he has tags and he has no insurance and was able to renew in person with no insurance.
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Old 06-27-2018, 01:16 PM
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Originally Posted by 38P6 View Post
Well, looks like im getting regular insurance. They said without question if a golf cart or gem car is to be registered like a low speed vehicle in to be operated on the road it has to have tags which means also has to have insurance like a car. My buddy is calling the dealer where he bought his to find out how they registered it because he has tags and he has no insurance and was able to renew in person with no insurance.
did you ever find out about this ?
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Old 06-27-2018, 01:25 PM
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Originally Posted by 38P6 View Post
Well, looks like im getting regular insurance. They said without question if a golf cart or gem car is to be registered like a low speed vehicle in to be operated on the road it has to have tags which means also has to have insurance like a car. My buddy is calling the dealer where he bought his to find out how they registered it because he has tags and he has no insurance and was able to renew in person with no insurance.
your buddy probably has a suspended license for having a registered car with no PIP and PDL and doesnít even know it yet.
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Old 06-27-2018, 01:37 PM
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that's what happened to me . Had insurance on my Gem for 4 years , but to find out it was written under a motorcycle policy .State decides you cant do that anymore and declared all of those policies instantly void . Now my Gem is considered uninsured , so the state sent me a letter saying you have one week to get insurance or you license is suspended . They mail it snail mail ! It gets to my office after the date and now my license is suspended .I'm on a cross country trip with the family . I have my secretary immediately get new insurance but state says i have to come in person to reinstate my license . I'm in California , it sucked .

costs slightly more to insure than my wifes new suv . looking for alternatives .
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Old 06-27-2018, 01:53 PM
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We have an area in Brevard County called viera and sun tree where you can drive golf carts on the sidewalks and they do not have to be registered. Also, unlicensed kids can drive them. Iím hoping someone does something like that in my town. Iím only a couple blocks to the beach and to the schools so it would be killer .
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Old 06-27-2018, 02:02 PM
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Originally Posted by whatta life View Post
did you ever find out about this ?
My buddy got a letter in the mail a short time later and he had to get the auto insurance policy like me or they would suspend his license.

If it's tagged as a low speed veicle and you operate it on the road you have to have an auto policy.
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Old 06-27-2018, 02:11 PM
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now to find out who insures them for less
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