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 Posted: Sat Aug 16, 2008 5:51 pm Post subject: electric scooter insurance |
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I HAVE A SMALL "PRIDE GO-GO" SCOOTER WHICH I USE ONCE OR TWICE A DAY TO GET TO THE DINING ROOM IN THE LIFECARE LIVING FACILITY WHERE I RENT. I AM TOLD IT IS RECOMMENDED TO HAVE INSURANCE COVERNING ME IN CASE I INJURE SOMEONE WHILE OPERATING THIS. WHAT KIND OF INSURANCE DO I NEED IF ANY FOR THIS SPECIFIC ITEM? IS IT COVERED BY AUTO INSURANCE ALTHOUGH NO TITLE OR LICENSE IS INVOLVED.
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JAMES F.
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| Posted: Sat Aug 16, 2008 7:02 pm Post subject: |
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I honestly don't know (hopefully someone else will) I do not it would not be covered under you auto policy...I have never handled a claim on the scooters except if they were on the back of a vehicle or in the trunk being hauled and got damaged when another vehicle rear-ended them. Hopefully another poster with more information will pop in on this thread directly....hang tight....good idea by the way, I can see many opportunities for a liablity to claim to come up while operating one of these...
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Lori
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| Posted: Sat Aug 16, 2008 10:51 pm Post subject: |
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| If it's not licensed for use on the road, a property policy such as a condo or renters policy should address any liability. |
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tcope
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| Posted: Sun Aug 17, 2008 10:08 am Post subject: |
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| Quote: | | If it's not licensed for use on the road, a property policy such as a condo or renters policy should address any liability. |
But what if he's at Walmart?
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Lori
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| Posted: Sun Aug 17, 2008 2:31 pm Post subject: |
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| Quote: | | But what if he's at Walmart? |
Then he can expect to find low prices. (???) |
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tcope
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| Posted: Sun Aug 17, 2008 3:22 pm Post subject: |
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| Quote: | | Then he can expect to find low prices. (???) |
  oh Todd, crackin' me up! suppose he should watch out for falling prices! but seriously...you'd think there would be some type of liablity policy to follow the 'rascal' scooter...
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Lori
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| Posted: Fri Aug 22, 2008 5:32 am Post subject: |
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Scooters currently fall into a grey area, somewhere between bicycles and motorcycles. This nebulous legal definition makes it difficult to find an insurer. Most insurance companies do not recognize the electric motor scooter as a separate category of vehicle, although a few will write a motorcycle policy for a scooter. Some bicycle insurance companies are also willing to cover scooters.
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.
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esauldaris
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| Posted: Fri Aug 22, 2008 10:11 am Post subject: |
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Hi Lori..howz life!
| Quote: | | you'd think there would be some type of liablity policy to follow the 'rascal' scooter... |
I'd rather believe that the risk associated with such a vehicle (even if it is a light-weighted one) should be taken into account.
But when all esauldaris has to say is this-
| Quote: | | Some bicycle insurance companies are also willing to cover scooters. |
I'd like to ask- is it not that the scooters that bear a license-plate could be covered under 'auto insurance'?
Thanks..ArindamSenIndies |
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ArindamSenIndies
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| Posted: Fri Aug 22, 2008 11:09 am Post subject: |
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| Quote: | | Hi Lori..howz life! |
Well ArindamSenIndies, not too bad since I've got that 'wife' mud out of my brain...  | Quote: | | I'd like to ask- is it not that the scooters that bear a license-plate could be covered under 'auto insurance'? |
They are not licensed...so no an auto policy wouldn't cover them...there is no issue getting them covered as personal property the issue is with getting liability coverage on them...and perhaps a company that sells a lot of motorcycle ins...could help..I think Progressive is number one in motorcycles...might be worth a call...to them.......
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Lori
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