E-scooter 101: Electric Scooter Insurance Coverage
Understanding the basics of electric scooter insurance will help you determine the right coverage for yourself.
E-scooter 101: Electric Scooter Insurance Coverage
Without a federal law regarding electric scooter insurance, it is up to the states to rule on the subject. Hence, your first step is to determine any e-scooter insurance laws in your local area.
Experts strongly advise riders to get insurance coverage for their personal electric vehicle (PEV), even if not required by law. They recommend comprehensive insurance, which comprises both liability coverage and collision coverage.
What Damages Can E-scooter Insurance Cover?
Not all insurance companies offer electric scooter-specific policies. However, most providers of motorcycle or bicycle insurance also cover e-scooters.
A comprehensive insurance policy typically covers:
Personal Injuries
This covers any injury you may sustain while riding your micromobility scooter. You can cover your medical expenses fully or only partially, depending on how much premium you are willing to pay.
Injuries to Others
This covers expenses incurred if you are found liable for injuring someone else while riding your electric scooter.
Scooter Damage
This covers repair and replacement expenses to restore your e-scooter to perfect condition after it gets damaged in an accident. Experts recommend this coverage to riders using performance scooters or hyperscooters. These PEVs are more expensive than standard electric scooters. For instance, the Flash Motors Infinity X premium hyperscooter costs $10,000. Nevertheless, thanks to its unmatched specs, including a 70-mile maximum range and 75-mph top speed, it is worth every penny.
Scooter Theft
An electric scooter is generally more expensive than a gasoline-powered scooter. Additionally, it is lightweight and compact, making it highly portable. These factors make it an easy and priority target for thieves. You can get a scooter lock to prevent theft, but nothing is foolproof. You may enjoy better peace of mind if you include theft in your insurance coverage.
Property Damage
Lastly, getting involved in a collision while riding your e-scooter can damage public and private property. You can get payments for such damage covered, too.
Conclusion
Understanding your insurance coverage options will allow you to select the appropriate policy for your electric scooter.
