With such a large selection of scooter insurance coverage options available, it can be a bit overwhelming trying to remember what each one covers you for. But ensuring you have the right coverages and limits on your motor scooter policy can make all the difference in the event of a claim.
scooter insurance and the law
State law requires that all scooter riders carry at least basic liability coverage for bodily injury and property damage to others. In the event that you cause an accident, bodily injury coverage helps pay for others' medical bills, and property damage coverage helps with repair costs to others' property.
state requirements for scooter coverage
Some states require more coverage than others, like uninsured motorist coverage, which helps pay for you and your passengers' medical bills, and property damage repair costs if someone without insurance (or sufficient insurance) hits you.
A handful of states require personal injury protection (PIP). Generally, scooter PIP insurance covers you and your passengers, regardless of fault in an accident, for things like medical expenses and lost wages.
When you get your free scooter insurance quote, you can review your coverage options, as well as customize your limits and deductibles.
types of scooter and moped insurance coverage
With the right coverages, you can rest assured knowing you're protected no matter what arises on the open road. Here's the rundown on coverage options for your motor scooter — from information on basic liability coverage to optional coverages that give you added security and peace of mind.
If you're ever found at fault in an accident, liability coverage helps cover others' medical bills and property repair costs so that the expenses don't come out of your pocket. When determining how much liability coverage is best, it's generally recommended to get the most protection you can comfortably afford.
It's also important to consider the driving conditions you typically face. Do you live in a big, bustling city? If so, it might be wise to carry higher limits so that you'll be fully protected in the event of an accident, whether you're at fault or not.
Comprehensive and collision coverage
No one wants to pay out of pocket to fix up their ride after an at-fault accident. If you want protection for damage to your scooter in the event of an accident you cause, that's where collision coverage steps in.
Walk outside to find your Vespa vandalized? Comprehensive coverage protects you for incidents that you have no control over, like theft, vandalism, or even a run-in with an animal.
Both comprehensive and collision coverage require that you choose a deductible. In the event of a claim, you pay the deductible you chose for your scooter policy, and your insurance company covers the remainder of the repair or replacement costs.
Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage will protect you if someone without insurance (or sufficient insurance) hits you and causes you and your passengers any injuries, or causes property damage to your ride. It also covers you in hit-and-run situations.
Many states have adopted this coverage as a requirement, in part due to the fact that an average of 1 in 7 motorists (whether they drive cars, trucks, motorcycles, scooters, etc.) do not carry insurance. Make sure to choose limits that you're confident will fully cover you in any incident.
Medical payments coverage
Scooterists need to be on the lookout for a number of hazards, especially compared to car and truck drivers. These risks include blind spots, poor weather and night driving, car doors opening into traffic lanes, potholes and road defects, and motorists' lowered visibility of scooter riders. Sadly, hazards like these mean an increased risk of injury or accident.
Medical payments coverage is often an optional coverage, but it can be a real lifesaver if you or your passengers are injured in an accident (regardless of fault). Medical payments coverage is especially important if you don't have health insurance, or if your health insurance coverage limits aren't high enough to cover all of your injury expenses.
Some scooter insurance plans might require you to reach your health insurance coverage limit before using your medical payments coverage. Usually you can use medical payments coverage on injuries related to an accident within the past 3 years.
Trip interruption coverage
If your vintage Vespa breaks down on a long road trip or your Stella gets messed up in an accident, trip interruption coverage will pay:
- $50 for food
- $50 for alternate transportation
- $100 for lodging
That's per day until your ride is out of the shop (up to $500 per incident).
Total loss coverage
If your scooter is determined to a be a total loss after an accident, total loss coverage will pay the manufacturer's suggested retail price of a current model year scooter of the same make and model.
If you don't have total loss coverage, actual cash value coverage will pay your scooter's current value (with depreciation being taken into account).
Towing and labor coverage
If you need a tow, your scooter breaks down, or you're stranded far from home, towing and labor coverage can really save the day, paying up to $100 per incident (up to 3 times per one-year scooter policy term). It can even cover labor costs if the mishap is due to any of the following:
- Lost keys
- Flat tire
- Dead battery
- Bike is stuck within 100 feet of roadway
- Low fluid (including gas, oil and water)
More about scooter insurance
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