Owning an electric scooter is exciting: it’s fast, comfortable, versatile and you can take it around town or on weekend trips.
However, just like driving a car, using an electric scooter comes with a lot of responsibility. When driving, you always take some risk because you share the road with other drivers and pedestrians. For example, if you are involved in an e-scooter accident, you could be liable for damages.
With that in mind, you may be wondering if you should get insurance for your Electric scooter. E-scooter insurance is rarely necessary, but it helps in some cases. To help you decide if electric scooter insurance is right for you, here’s what you need to know about getting electric scooter insurance.
Why take out e-scooter insurance?
The purpose of insurance is to protect you against financial risks in the event of unexpected events.
When it comes to electric scooter insurance, the right policy package protects you from the financial consequences of:
Accident Liability; Accidents are called accidents for a reason. You never know when these things will happen. When you take steps to safely ride your electric scooter, there is always a chance of falling; collision with a pedestrian, driver or accompanying e-scooter; or find something. In some cases, these incidents can result in expensive medical bills, expensive property damage or damage to your electric scooter for you and others. If you cause an accident, you may be liable for property damage. Fortunately, insurance can cover most of these as long as you get the right policy.
Vandalism and theft; electric scooters are in high demand. By purchasing a highly effective model, you can attract the attention of thieves and vandals. Having an e-scooter stolen is never ideal, but if it’s properly insured, you can get your money back and buy a new one.
What insurance do I need for my e-scooter?
In general, electric scooter insurance is required in most North American cities. However, the United States and Canada have some driving requirements when it comes to electric scooter insurance:
United States; The National Highway Traffic Safety Administration (NHTSA) does not consider seatless scooters to be state-regulated vehicles. Ultimately, it is up to the states and cities to set electric scooter insurance laws. Currently, only two states in the United States require electric scooter insurance; Illinois and Texas. However, Texas only requires insurance for e-scooters with a power rating of 750 watts or more.
China; Electric scooter insurance is not currently required in any China province.
However, states and provinces may change their e-scooter insurance requirements at any time in the future, so be sure to check your local laws.
Insurance cover for electric scooters;
Whether you’re shopping for auto insurance, home insurance or life insurance, reputable insurers can get you a policy in minutes. However, this is not always the case with e-scooter insurance.
Why? Electric scooters have become very popular recently. Regulators and insurers haven’t had much time to catch up. Since it is not a common requirement for driving, electric scooter insurance is also not in high demand.
For these reasons, most insurers are in the early stages, if they ever begin, of writing policies for electric scooter riders. Meanwhile, e-scooter users may need to combine insurance policies to get the coverage they want.
How to get insurance for your electric scooter;
If you want to cover yourself with electric scooter insurance, you can compare prices from several insurance companies to see if you have the best deals. Insurance experts can help you find the right policy for your needs.
Some types of insurance that can protect electric scooters include;
Health Insurance; Whether you ride an electric scooter or not, health insurance is always a smart move. As an added benefit, your health insurance may cover some or all of the medical bills incurred as a result of electric scooter injuries.
Homeowners or renters insurance; You may have homeowners or renters insurance. These policies may cover your electric scooter in some cases. For example, if your electric scooter is stolen from your home, you may be covered under one of these plans. However, these guidelines do not protect you or your electric scooter while driving.
Personal Injury Insurance; Another insurance policy that can help you cover your medical bills is PIP. This no-guarantee insurance provides coverage for medical bills and lost wages, regardless of who caused the accident.
Personal injury insurance; If you cause an accident and injure someone else, personal injury insurance can cover the cost of medical bills and related expenses.
Property Liability Insurance; Property liability insurance can cover costs if you cause an accident that damages someone else’s property.
Collision Insurance; Collision insurance covers damage to your electric scooter caused by a collision with another vehicle or object. It can also cover damage to other vehicles and property in the event of a collision.
Fully comprehensive insurance; Fully comprehensive insurance covers damage to your electric scooter caused by extreme weather conditions, vandalism or theft (especially anything other than collision).
Underinsured/Underinsured Auto Insurance; Unfortunately, some drivers do not have adequate auto insurance. If you are involved in an accident with one of these drivers, they may not be able to pay your claim. You can even decide to punch and run. Buying an uninsured or underinsured motorist policy can help protect you financially in these situations.
General Insurance; General insurance covers injuries and damages that occur outside the home. Most umbrella policies should cover electric scooter accidents, but you should check with your insurance provider. While an umbrella policy can cover someone else’s medical bills and property damage, it usually doesn’t cover your medical expenses.
Roadside Assistance; Some insurance policies include roadside assistance services. You can always call these services to fix a flat tire, tow truck or other electric scooter holding you back.
What insurance should you have for your e-scooter?
As you can see, there are many types of fuses that can protect electric scooters. You can find out which policies are right for you from your insurer.
You can call several insurance companies to find one that can offer you an affordable plan.
Does car insurance cover e-scooters?
If you already own a car, be sure that your car insurance can partially cover you in case of an e-scooter accident. Unfortunately this is not the case. This is because car insurance only covers four wheels.
Where can you insure your electric scooter?
If you are looking for Adult Electric Scooter insurance, call your insurance provider and ask what plan they can arrange for you. If you don’t like the items on offer, you can shop at other suppliers.
You can also research the policies of small insurance companies like Voom. Voom is one of the few insurance companies dedicated to meeting your micro cell phone insurance needs. Contents of your e-scooter:
- Liability to Third Parties
- Property Damage Liability
- personal disasters
- Supplementary health insurance (in addition to your existing health insurance)
How much does e-scooter insurance cost?
Electric scooter insurance pricing patterns can vary due to several factors:
- Selected Policies
- amount of coverage
E-scooter plans average $25 to $40 per month.
Remember that your electric scooter insurance comes with a certain deductible that states the amount of property damage you must suffer before your plan goes into effect. If you have large deductions, your pay may be lower, but you owe more. out of pocket in an accident.
Should I invest in electric scooter insurance?
While e-scooter insurance is not a legal requirement, you can take one out to protect yourself. It can offer you financial security in different situations. You never know when you might:
- Collision with another vehicle
- find an object
- Cause extensive damage in an accident
- Suffering from an injury that requires medical attention.
- Cause serious injury to another person
- Your electric scooter has been stolen, destroyed or damaged by the weather
Such accidents are rare, but they can still happen. Even if you drive safely and take every precaution, e-scooter insurance can protect you from accidents beyond your control.
Most e-scooter users appreciate the security that proper insurance brings. Other drivers do not lack this protection. Ultimately, you have to decide for yourself if the cost of e-scooter insurance is worth it.
How about sharing an e-scooter?
If you’ve rented electric scooters from ride-sharing companies before, you can automatically assume you’re covered by the company’s policy. While commercial e-scooter insurance protects you against accidents involving your vehicle, this protection rarely extends to drivers.
As a result, you could be held personally liable for property damage or medical bills as a result of an accident while driving one of these rental cars. The only exception is when dealing with negligent maintenance or vehicle construction issues on behalf of an Owner.
Therefore, drivers who use shared e-scooters should take the same insurance precautions as drivers who own their own e-scooters.
How to ride an electric scooter to avoid accidents;
Whether or not you invest in electric scooter insurance, you should always ride safely. Because the best e-scooter insurance is the one you’ll never have to claim.
Here are some basic safety tips:
- wear a helmet
- Observe the road signs
- Obey traffic rules
- Drive slowly in busy areas
- Report your own queues and stops
- Always pay attention to the road
- Avoid riding the same scooter as someone else
- Never drive under the influence of alcohol
- Wear light-colored reflective clothing when it’s dark outside
Accidents happen when electric scooter riders ignore these safe riding tips. By driving with care and caution, you can do your part to reduce the risk of a costly electric scooter accident.
What to do in case of an electric scooter accident?
Even if you ride your electric scooter like a professional, an electric scooter accident can happen to you at any time.
Important after a disaster:
- make sure you and everyone are ok
- go to a safe place
- Phone 911 so the police can document the incident.
- Get medical help if someone needs it.
- Take photos and videos of the damage.
- Share contact information with everyone involved in the incident.
- Request witness contact information
- Notify your insurer (if applicable) and file a claim
By documenting the incident, you have everything you need to complete the insurance process and ensure liability is properly assigned.