How to Get Insurance for My Electric Scooter

If you have recently purchased a top-tier electric scooter, you may be wondering what options are out there regarding insurance. There may be insurance for an electric moped, but the options for an eScooter may vary.

Do Electric Scooters Require Insurance?

In most cases, an electric scooter will not be required to have insurance, though you can register your electric scooter if you like. These regulations will vary depending on your city and state, however, so you should check with a local governmental agency before taking a newly purchased scooter out for a ride.

If you find that insurance is required, then you’ll need to contact insurance companies or work with an insurance agent to acquire the necessary insurance coverage.

Benefits of a Scooter Insurance Plan

Just because the law does not require you to have scooter insurance, it can still be a good idea to look into some of the options and various plans. After all, having some form of protection in the event of electric scooter accidents can provide peace of mind and help cover potentially expensive costs associated with repairs or medical bills. Electric scooter insurance can offer coverage for property damage or bodily injury, and might even include additional benefits.

If you own the longest range electric scooter and plan to take it all over your city and may need to navigate many obstacles, it might be a good idea to get covered. Modern scooter insurance plans can offer significant benefits, some of which will be detailed below.

Collision Damage Costs

Many scooter insurance plans offer coverage for collisions, no matter who is at fault. This can save you some serious money if you tend to ride your scooter at high speeds through populated areas. Collision inclusions tend to cover both vehicles involved and should also payout for any property damage that has occurred. Collision inclusions tend to cover both vehicles involved and should also payout for any property damage that has occurred. When riding on public roads, you need to be aware of the speed limits and local regulations. Adhering to these will keep you safe while ensuring that your collision coverage is valid. Although, keep in mind that deductibles are additional expenses.

Be aware of the deductible of your scooter insurance plan, as that will have to be met before any inclusions kick in. Most plans will also offer coverage related to bodily injury. Consequently, if you’ve been in an accident and your scooter is totaled, you’ll want to know how to dispose of an old electric scooter.

Comprehensive Coverage

Some scooter insurance plans offer comprehensive coverage, which goes above and beyond issuing payouts for collisions and property damage. Comprehensive plans typically cover all manner of scooter-related incidents, including issues related to vandalism, theft, and damage caused by extreme weather conditions. You can also expect coverage for custom parts and related equipment. These plans do not typically cover issues in which the rider is at fault, however, such as being rough with the scooter and the like. This is why it is also advisable to store it away safely, by hanging the scooter on the wall or ceiling.

Roadside Assistance

A key benefit of some scooter insurance plans comes in the form of roadside assistance. The insurance provider will typically furnish a phone number that can be called 24 hours a day and seven days a week. This number can be called for roadside assistance whenever you need it. Common issues that can be resolved in this manner include flat tires, tows, and jumpstarts. You may have to pay a small fee for the service, so be sure the read the fine print of your insurance plan thoroughly. A common problem like how to fix an electric scooter throttle may be covered at a fee.

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