Many drivers may wonder if scooter insurance is needed. Some insurance companies only insure scooters under car insurance policies. Others write special scooter insurance for their motorcycles. So, how do you know if scooter insurance is needed in your area? In most cases, if the engine of your scooter is over 50 cc’s (cc), your state will likely require that you insure it under a scooter rider policy.
Even though many countries have different scooter insurance requirements, the “L” classification generally applies. Generally speaking, scooter insurance policies will generally include three parts: bodily injury liability insurance, property damage liability insurance, and medical payments coverage. The type of policy that you buy will depend upon your riding habits and the engine size of the scooter. For example, a moped has a much smaller engine size than a traditional motorcycle. Therefore, a moped rider should look for a policy that provides additional coverage in the case of an accident. If your scooter is financed, you may be required by your lender to purchase a separate rider policy at the time of purchase.
Bodily injury liability insurance will pay medical expenses and repair costs resulting from an accident involving your moped or motorcycle. Most policies also include provisions for loss of wages, pain and suffering, and funeral and burial expenses. With most policies, bodily injury liability coverage includes both physical and emotional pain and suffering. There are some scooter insurance companies that limit the amount of bodily injury coverage that you may have, but you should check with your agent.
Property damage liability insurance covers damages to or damaged from your moped or motorcycle. This includes property damage resulting from an accident, theft, vandalism, and acts of nature. Liability insurance covers damage caused by a moped or motorcycle during an accident. However, some insurance companies do not require riders to carry this type of insurance if they insure their personal cars.
Roadside assistance is a benefit that most scooter owners must have. Most scooters are not equipped with built-in roadside assistance devices. To meet their service obligations, scooter riders must make arrangements to have their scooters towed, fixed, or repaired. In the case of scooters, roadside assistance requires the rider to have a working knowledge of how to use the equipment.
Medical payments coverage is a specialty feature of scooter insurance that most riders need insurance for. This coverage will pay for the medical expenses resulting from an accident involving your moped or motorcycle. You need insurance to cover the costs of treating injuries and illness. For those who ride mopeds, however, this coverage does not usually apply.
Legal coverage is often included with full motorcycle insurance. It will pay the legal costs involved in any legal action taken against you or your scooter. Legal coverage is not designed for scooters. Because these vehicles are typically used for noncommercial purposes, most insurance companies will not include them in comprehensive policies.
The costs of operating and maintaining a moped or scooter vary greatly. Although the equipment itself is not expensive, the average motorcycle owner spends hundreds of dollars a year on necessary repairs and upkeep. In addition, many insurance companies will not provide financial assistance if the moped is at fault in an accident. If you own one of these vehicles and need insurance, contact a local moped and scooter insurance agent today.
There are several different classes of mopeds. There are gas scooters and electric scooters, as well as traditional motorcycles. Some models are classified as road legal mopeds, which can travel on public roads. Gas powered scooters and motorcycles fall into the moped category.
Before purchasing a moped or scooter, be sure to discuss your needs with a local representative. Each type of vehicle and its purpose will require a unique policy. Car insurance policies will cover mopeds but may not cover cars. Be sure you understand what your car insurance policy will and won’t cover.
Many insurance agencies offer great coverage at affordable prices. Contact your local agents today to discuss the benefits of motorcycle coverage. By taking the time to learn about your options, you can save money on the cost of insuring your moped. You should also look for other types of coverage such as travel trailers, personal injury protection and uninsured motorist protection. This kind of coverage can help protect you in case you are in an accident caused by a negligent driver.