What To Know About Scooter Insurance

Posted on: 1 July 2021

Scooters can be a fantastic way to get around. These types of vehicles are easy to navigate and store, especially in urban environments. While scooters are not as powerful as motorcycles, many of the same rules apply. For example, you need to have the correct license, gear, and training to operate a scooter on public roads. In most states, a scooter insurance policy is also necessary. Here are three things that you should know about this kind of insurance.

When Insurance Is Necessary

The first thing that you should know about scooter insurance is that insurance is not always necessary. In some states, if your scooter goes less than 30 mph, you do not need an insurance policy. Before seeking out a policy, you should check out the requirements in your state. How an insurance company views your scooter can also vary. Some insurers may cover a scooter under a motorcycle policy, while others have specific policies for these kinds of vehicles. 

What Your Policy Will Cover

Just like with auto and motorcycle insurance, your scooter insurance policy will offer basic liability coverage, including bodily injury and property damage coverage. You can also opt for additional coverage like collision and comprehensive. Medical payments and uninsured or underinsured motorist coverages are also available. When determining how much coverage you need, it's essential to consider how much is necessary to protect your assets and what you need to repair or replace your scooter. 

How Much It Will Cost

The cost of your scooter insurance will depend on the type of coverage you opt for and the value of your vehicle. The amount of coverage you choose will have the most significant impact on your premiums. If you opt for a full coverage insurance policy, you can expect to pay more. A scooter insurance policy needs to strike a balance between coverage and affordability. 

While driving a scooter can be a lot of fun, the rules of the road still apply, and you may need an insurance policy. First, you will want to determine the rules regarding scooter insurance in your state. Next, looking into what these kinds of policies cover is also vital. Finally, the cost is another factor to keep in mind. The more coverage you require, the higher your premiums will be. 

For more information on your state's regulations and for a quote on the right policy for you, contact a scooter insurance provider in your area, such as Insure My Vespa.