3 Things To Know About Insurance For Your Electric Scooter
Do you have an electric scooter that you've been driving around town, and you're wondering if you need to get insurance to protect yourself while using it? These scooters can be driven on the road and have the capability of getting quite fast as well. However, the speed of an electric scooter often falls below the legal requirements of motorized vehicles that require insurance, which makes it optional to get insurance. That can make you wonder if you should get insurance. Here are some things you need to know about when it comes to insurance.
Your Auto Insurance Will Not Cover You
Some people wrongly assume that their existing auto insurance policy is going to cover them if they were involved in an accident on their electric scooter. This is likely not the case, and it is advised that you do some digging into your policy to figure out if you are covered. You may be surprised to learn that there are exclusions for accidents that happen while you are riding a vehicle with less than four wheels, such as an electric scooter.
For example, if you were to get into an accident with another vehicle as a pedestrian, you would normally use the other driver's insurance policy to cover the incident. If they didn't have insurance, you would normally use your underinsured or uninsured motorist coverage to pay for the damages. However, the nature of riding an electric scooter will likely not allow you to use this coverage.
Your Home Insurance Will Not Cover You
Be aware that your home insurance is not going to cover you in this situation as well. While you may have coverage for the scooter itself, since it is personal property, you will not have coverage for medical bills related to an accident that you suffer. You'll end up needing to use your personal health insurance coverage to pay for your medical bills, which can be expensive if you have a high deductible.
You Will Need Electric Scooter Insurance
Speak to your insurance agent about getting insurance specifically designed for electric scooters, which will cover your medical bills, personal property damage, and liability coverage. This type of insurance policy is different from getting motorcycle coverage since the limits are usually smaller to reflect the speed that you are traveling and the type of damage that can be caused. It can be great for those that are worried about driving their electric scooter on the road without proper coverage.
For more information on insuring your scooter, contact an insurance company in your area, such as Insure My Vespa.
