Are you wondering whether or not you need to insure your motorized scooter? Any scooter on the roadway with an engine of 50cc or more is subject to the same laws as motorcycles, which means you’re going to need coverage for your mode of transportation. Here are some policy options provided by your friends at American Tri-Star Insurance San Diego.
Personal Injury Coverage
All states require at least the basic limits in liability insurance to cover medical expenses and property damage regardless of fault. Personal injury coverage pays medical expenses and lost wages for both you and any passengers on your scooter. Medical payments coverage can cover injuries for up to three years after an accident.
Collision Vs. Comprehensive Insurance
Collision insurance covers damages to your scooter, while comprehensive insurance covers theft, vandalism, hail, hitting an animal, or other damages beyond your control. Some states also require uninsured insurance coverage to protect you if someone without adequate insurance causes bodily harm or damage to your scooter. Additionally, it covers you in hit-and-run situations.
Trip Interruption Insurance
Trip interruption insurance covers you while traveling. If you break down or have an accident, this policy will help pay for towing, food, transportation, and lodging while your scooter is repaired. The policy also covers hiring a locksmith, flat tire, dead battery, being out of gas, oil, or water, and labor if you are within 100 feet of the road.
Total Loss Coverage
Total loss coverage pays the suggested retail price for a new scooter of the same make and model as your totaled vehicle. Actual cash value coverage will pay your scooter’s current market value less any depreciation.
Scooters are motorized, meaning you might be required to register it, take a riding course, wear the proper gear, get a motorcycle license, and insure your scooter. For more information regarding cheap motorcycle insurance in San Diego or for questions about your motorized scooter, contact American Tri-Star Insurance at 619-272-2100 and speak to one of our informative and friendly agents.