Low speed vehicles are slowly becoming more popular because they are small, convenient and eco-friendly. However, the question remains: Are they safe? And, how should they be insured? Low speed vehicles are somewhere between a golf cart and a passenger vehicle. But, LSV’s are held to government regulations that golf carts are not. They must have:
- front and rear turn signals
- tail lamps
- stop lamps
- a parking brake
- a windshield
- a 17- digit VIN
- seat belts
- and must have a maximum speed of 25 mph
Some states require that low-speed vehicles to have Personal Injury Protection. If you own a LSV in: Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, South Dakota, Texas, Utah, Virginia, Washington or D.C., it would be covered on an Auto policy as an accommodation.
However, if you live in: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Vermont or West Virginia, your LSV would be insured on a Motorcycle policy.
For more information on this topic or to discuss your insurance needs, please contact us at 888.304.6678 or visit our virtual insurance office.