Segway riding should be a carefree activity (heck, we're pretty sure it's listed in the owner's manual). By loading your Segway insurance policy with the right coverage options to help you replace a stolen ride, pay for injury costs, and much more, you can keep your time on the road or trail all about fun.
For all of the ways you use your Segway — and all the risks you face — we have Segway coverage to match. Here's a look at some of the nifty coverage types you can outfit your Segway insurance policy with.
Liability coverage helps pay others' bodily injury and property damage costs in case you ever cause an accident with your Segway.
When deciding how much liability insurance to get, a good rule of thumb is to get as much protection as you can comfortably afford.
Comprehensive and collision coverage
New Segway riders might be surprised to learn what technological marvels these vehicles really are. Translation: they're super fun to use, but also can be pricey to fix. In fact, the average Segway costs about $5k, which is why coverages like collision (which helps repair your Segway after accidents you cause) and comprehensive (which kicks in after non-collision costs, like theft) are so important.
For both of these Segway coverages, you select a deductible and your policy will cover any eligible costs that surpass it.
Medical payments coverage
From getting caught in a driver's blind side to simply taking a turn too quickly, Segway riding comes with its share of injury risks.
Having an adequate amount of medical payments coverage is important after a Segway accident, especially if you don't have full health insurance. It covers costs associated with a riding accident within the first 3 years after the accident.
Some plans might require you to reach your health insurance limit before tapping into medical payments coverage.
Optional equipment coverage
There's actually a wealth of options when it comes to adding custom equipment and accessories to Segways. And whether you have a handlebar bag to carry your phone, reflective labels or an LED taillight to improve your nighttime safety, or official Segway gear to show your support, we've got them covered right along with the vehicle itself.
Uninsured/underinsured motorist coverage
Segways aren't the easiest vehicles for other motorists to spot. Luckily, if an uninsured or underinsured driver hits you, UM/UIM protection will kick in to cover Segway damage, injury bills, and even extra stuff like lost wages if you have to miss a few days of work. Choose limits high enough so you're confident of being covered in any loss.