Scooters fall into a legal grey area between bicycles and motorcycles, making it difficult if not impossible to purchase specific electric scooter insurance ...
Electric scooter insurance is nearly impossible to find in the United States because the electric motor scooter is so new in the United States, and as such are not yet regulated in most places. Scooters fall into a legal grey area between bicycles and motorcycles, making it difficult if not impossible to purchase specific electric scooter insurance. Some auto insurance companies are willing to insure electric scooters as motorcycles and a few bicycle insurance companies handle electric scooters. Unlike in the UK, where electric scooter insurance is common and inexpensive, scooters in the US may be nearly impossible to insure at all.
As electric scooter law is new and has not been specifically addressed in most municipalities, it is always best to err on the side of caution. When you purchase your new scooter, call the local DMV and inquire whether your scooter must be registered and/or insured. If insurance is required, the DMV may be able to point you in the direction of a local company. Assuming that insurance is not required by law, as is usually the case, separate electric scooter insurance is generally unnecessary.
Check your current homeowners or renters insurance policy. Often these policies cover loss or damage to your personal property anywhere in the world, subject to certain restrictions and exclusions. The Personal Liability portion of this coverage may protect you if you are liable for an accident that occurs while using your scooter. Be sure to talk to your insurance agent, as you may need to increase your level of coverage in order to include your scooter.
If you are injured while using your electric scooter, your current automobile insurance might cover your expenses. Policies vary widely, however, so it is best to call your insurance company and ask. Of course, if you have health insurance, that company will normally pay first and then go after any other companies that may be involved.
Despite the inherent risks, separate electric scooter insurance is normally not required in the United States. Only a few localities specifically regulate electric scooters. In most cases, both your scooter and any possible liability can be covered by your homeowners or renters policy. Any medical bills you accrue will be paid by your health insurance, possibly in tandem with your auto insurance.
Electric scooters have only recently experienced a surge of popularity in the United States, leaving scooters in a legal grey area. In countries such as the UK, where scooters have been widely used for many years, electric scooter insurance is common and inexpensive. If the current wave of popularity continues, the US will likely follow suit. In the meantime, electric scooter owners in the US should rely on the combination of policies that they already have.
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