If you have recently purchased a top-tier electric scooter, you may be wondering what options are out there regarding insurance.

KEY TAKEAWAYS:

  • Scooter insurance may not be required in your area, but it can be a good idea for a number of reasons.
  • Modern scooter insurance plans tend to offer coverage for bodily injuries, property damage, and collision damage.
  • Some plans also offer roadside assistance, a service that can help with flat tires, tows, and jumpstarts, among other issues.

Do Electric Scooters Require Insurance?

In most cases, an electric scooter will not be required to have insurance. 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.

Insider Tip

Collision inclusions tend to cover both vehicles involved and should also payout for any property damage that has occurred.

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. 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. 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.

Insider Tip

Comprehensive plans typically cover all manner of scooter-related incidents, including issues related to vandalism, theft, and damage caused by extreme weather conditions

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. Which 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.

Warning

Be aware of the deductible of your scooter insurance plan, as that will have to be met before any inclusions kick in.

F.A.Q.

What’s electric scooter liability insurance?

Liability insurance is used to protect other people’s property when an accident is deemed to be your fault. Most scooter insurance plans include liability as a matter of course.


Would my electric scooter be covered on my home insurance?

Yes, though only when it is physically located inside of your home. In other words, it would not be covered by your home insurance plan while you are out riding. If your scooter is stolen from your home, however, it would be covered.


Do you need insurance for a moped or a scooter in California?

Mopeds do require insurance to legally ride in California. Scooters, on the other hand, do not. Be aware, though, you do need a valid driver’s license or permit to ride a scooter in California.



STAT: A study by the Boston Consulting Group (BCG) estimates the global e-scooter market to reach up to $50 billion by 2025, with approximately 50% of usage stemming from Europe and the USA. (source)

Lawrence Bonk

Lawrence Bonk is a copywriter with a decade of experience in the tech space, with columns appearing in Engadget, Huffington Post and CBS, among others. He has a cat named Cinnamon.

Related Articles

Leave a Reply

Your email address will not be published. Required fields are marked *