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Do You Need Insurance for Your E-Scooter?

by Uneeb Khan

E-scooter Insurance is important in this day and age because the number of people who own e-scooters has increased dramatically due to their convenience and versatility. In the United States, e-scooter trips now account for 63% of all micromobility trips. This is due to the fact that e-scooters allow riders to navigate vast and congested urban environments. In fact, we mentioned in our post on the ‘Best Long Range Electric Scooter in 2022’ that e-scooters can travel up to 100 miles.

But owning an aer 557 electric scooter still implies significant responsibilities, just as owning any vehicle. You do, after all, share the road with both drivers and pedestrians. Having insurance, however, enables you to be ready for unforeseen circumstances.

This article will discuss whether you should insure your e-scooter and what types of insurance are available.

Do electric scooters need to have car insurance?

Car insurance essentially provides you with recourse if your vehicle sustains unexpected damage or involved in unexpected accident. However, insurance for e-scooters is ambiguous. While most homeowner’s policies cover bicycles, e-scooters have assistive motors that prevent them from being classified as bikes. Allstate and Progressive, two major e-scooter insurance carriers, have yet to provide e-scooter coverage.

Currently, a Bloomberg article revealed that many cities have mandated that private mobility service providers. Such as rental sharing services for electric scooters, carry a minimum level of insurance. Fortunately, private e-scooter owners also have choices for securing their property. One option is to use the existing insurance you have, such as your property insurance.

Otherwise, you can supplement your current policy to protect yourself from scooter-related accidents. Of course, you should be aware that e-scooter insurance rates differ from state to state. Currently, only Texas and Illinois require electric scooter insurance in the United States. Regardless, getting your e-scooter insured essential to avoid incurring unexpected losses.

What kinds of insurance should owners of e-scooters take into account?

The following is a list of insurance options that can protect your e-scooter and, as a result, keep you financially secure in the event of an accident also check these eriders.

Property Insurance

If damage to your e-scooters caused a natural disaster or extreme weather, your property insurance may able to help. According to Sound Dollar, there are three different forms of coverage for property insurance. Each of which corresponds to a different level of evaluation.

One of them is the full replacement cost, which includes all e-scooter repair costs. If you reside in a region where flooding or forest fires are common, property insurance recommended. You won’t have to worry about high replacement costs if, for example, your e-scooter catches fire and rendered completely useless.

Liability insurance for bodily injury

Despite riding your e-scooter safely, there is always a chance that you will collide with a car. A pedestrian, or another e-scooter. According to a study by NCBI, 1,354 people had e-scooter-related injuries.

29% of these people needed advanced imaging, while 6% needed inpatient care. When you cause an e-scooter accident, bodily injury liability insurance can help pay for the injured party’s medical bills. This also prevents you from using your own savings to pay for the affected party’s care.

Protection from personal injury

Personal injury protection insurance is another option for paying medical bills. This is useful if you are injured in an e-scooter crash caused damaged roads or uneven pavements. Personal injury protection insurance covers lost wages and funeral expenses in addition to hospital expenses. And, thankfully, this also applies after a collision, regardless of who caused it.

Insurance for uninsured and underinsured drivers

According to the NCBI study, many e-scooter riders who injured other riders were inexperienced. Worse, some of these drivers did not have auto insurance policies. That is why you get uninsured/underinsured motorist coverage. Regardless of the driver’s inability to pay for damages, you can stay financially prepared and reduce out-of-pocket expenses.

Riding an e-scooter safely on the road is essential. But getting your e-scooter insured is a great way to safe and in control and to ready for unforeseen accidents.

Kick scooter

Usually refers to push scooters with two, three, or four wheels but no seats. These frequently connected to children’s toys. Kick scooters may not have motors or motors that run on gas or electricity (more below).

The electric scooter boom have accompanied by some widely publicized concerns about scooter safety. Some of these concerns are legitimate. Almost all studies have found that scooters pose the same risks as bikes. In addition to being less familiar to the general public. This surge in all forms of micro-mobility. Not just scooters has resulted in increased efforts to educate the public and build infrastructure for lightweight electric vehicles.

Some of these vehicles must insured and registered, while others do not. Riders of electric motorized scooters like Unagi’s Model One not required to have insurance, at least not in the United States. However, there are still some crucial issues to consider. Like whether or not you should purchase scooter insurance to cover accidents on an electric scooter.

What Happens in the Event of a Car Accident?

If a passenger is injured in an accident while riding in one of their vehicles, rideshare firms are covered insurance. However, the rider themselves is not typically covered their policy and, if found at fault, would solely liable for any medical costs or damage to another vehicle in addition to her own injuries and losses.

The rider’s injuries should covered health insurance, but the other party won’t be. In their Terms of Use, the majority of share companies disclaim. All responsibility for any losses or injuries incurred while using a scooter. Due to this, users of shared scooters are responsible for all accident-related damages.

Most of the preceding also apply to riding a personal scooter. If the rider is found to at fault, they liable for both their own and the other party’s damages. Most insurance companies have yet to develop policies that specifically cover motorized electric scooters. And some explicitly state that their auto insurance will not cover scooter accidents.

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