[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/butlerfirm.com\/blog\/when-to-purchase-scooter-insurance\/#BlogPosting","mainEntityOfPage":"https:\/\/butlerfirm.com\/blog\/when-to-purchase-scooter-insurance\/","headline":"Do I Need Scooter Insurance?","name":"Do I Need Scooter Insurance?","description":"Scooters are easy to rent from an app on your smartphone and they seem to be available at every street corner. These new electric scooter companies are \u201cdockless\u201d, which allows you to rent and drop off a scooter wherever and whenever you like. Typically, scooters you see on the street corners or near bus stops… Continue reading Do I Need Scooter Insurance?<\/span><\/a>","datePublished":"2019-02-11","dateModified":"2026-04-17","author":{"@type":"Person","@id":"https:\/\/butlerfirm.com\/blog\/author\/butler\/#Person","name":"Jeb Butler","url":"https:\/\/butlerfirm.com\/blog\/author\/butler\/","identifier":9,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f5a02bc71d91db5fc8645f129c4424ce6ef7af7e24fe54f4a85315a9dd28f317?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f5a02bc71d91db5fc8645f129c4424ce6ef7af7e24fe54f4a85315a9dd28f317?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Butler Kahn","logo":{"@type":"ImageObject","@id":"https:\/\/butlerfirm.com\/wp-content\/uploads\/2020\/10\/Butler-Law-Firm-Logo.png","url":"https:\/\/butlerfirm.com\/wp-content\/uploads\/2020\/10\/Butler-Law-Firm-Logo.png","width":210,"height":93}},"image":{"@type":"ImageObject","@id":"https:\/\/butlerfirm.com\/wp-content\/uploads\/2020\/11\/insurance.jpg","url":"https:\/\/butlerfirm.com\/wp-content\/uploads\/2020\/11\/insurance.jpg","height":496,"width":640},"url":"https:\/\/butlerfirm.com\/blog\/when-to-purchase-scooter-insurance\/","about":["Car Accident","Liability","Personal Injury"],"wordCount":702,"articleBody":"Scooters are easy to rent from an app on your smartphone and they seem to be available at every street corner. These new electric scooter companies are \u201cdockless\u201d, which allows you to rent and drop off a scooter wherever and whenever you like.Typically, scooters you see on the street corners or near bus stops are battery-powered and don\u2019t go much faster than 15 or 20 mph. Moreover, they often don\u2019t require a driver\u2019s license.The majority of scooter rental companies carry liability insurance to protect injured motorists or damaged vehicles involving their scooters. And while most rental companies require riders to take out insurance when they rent a scooter, most scooter companies don\u2019t provide insurance coverage for their scooter operators.A scooter operator injured in an accident must use their own insurance or that of the at-fault party. While there are some\u00a0insurance companies that cover scooters\u00a0under motorcycle insurance policies, other have specific scooter insurance policies. Most states say that if the scooter\u2019s engine is 50 cubic centimeters (cc) or larger, the state may require insurance.A scooter going 15-20 mph may seem harmless, but it can do considerable damage and cause significant injuries to riders and bystanders.Types of Scooter Insurance CoverageMany insurance companies cover scooters under their\u00a0motorcycle insurance policies. Typically, scooter owners are required to have bodily injury and property damage liability coverage, similar to motorcycle owners. However, the amount of coverage required may be different, as some states have different rules for scooters than they do for motorcycles. Let\u2019s look at the types of coverage that you may need for a scooter rental or as a scooter owner.Just like with automobiles, scooter drivers in most states are required to carry a\u00a0minimum amount of\u00a0liability coverage. There are two types of liability coverage:Bodily injury liability\u00a0will pay for another person\u2019s medical expenses if you\u2019re at fault in an accident that causes their injury.Property damage liability will pay for repairs if you\u2019re at fault in an accident that damages another individual\u2019s property, whether it\u2019s another vehicle or perhaps damage to their house or other structures.If you\u2019re riding a scooter and collide with another scooter, motor vehicle, or an object like a retaining wall, fence, or structure,\u00a0collision coverage\u00a0will generally pay to repair or replace the scooter.Comprehensive coverage\u00a0will pay to repair or replace your scooter if it\u2019s damaged in an incident that\u2019s not a collision, such as theft, fire, and vandalism.Furthermore, if you\u2019re hit by a driver who doesn\u2019t have insurance,\u00a0uninsured motorist coverage\u00a0can help pay for your medical bills and perhaps repairs to the scooter. Some states have\u00a0medical payments coverage\u00a0that will help defray your medical expenses if you\u2019re injured in a scooter accident. Likewise,\u00a0personal injury protection (PIP)\u00a0can pay for your medical expenses after an accident, as well as lost wages if you can\u2019t work after a scooter accident.Moreover, some individuals have what is called an\u00a0umbrella policy, which is extra liability insurance. An umbrella liability policy coverage generally has a higher limit than a standard liability policy. It also extends beyond claims directly relating to a person\u2019s home and auto. The primary purpose of an umbrella policy is to protect your assets from an unforeseen event, like a tragic accident where you\u2019re held responsible for damages or bodily injuries.Policy LimitsIt\u2019s also critical to know that all insurance coverages -including those for scooters \u2013 have a limit, which is the maximum dollar figure that an insurance company\u2019s policy will pay after a covered claim. Your scooter policy may also have a deductible or an amount you\u2019ll pay out of pocket toward a covered claim.TakeawayInsurance is essential for operating a scooter. Understand the different types of insurance and what\u2019s required in your area.If you\u2019re involved in a scooter accident, the at-fault driver\u2019s insurance should pay, along with any umbrella policy if damages exceed those policy limits. Be sure to speak with the\u00a0experienced accident attorneys at Butler Kahn\u00a0if you\u2019ve been\u00a0injured in a scooter accident."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/butlerfirm.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Do I Need Scooter Insurance?","item":"https:\/\/butlerfirm.com\/blog\/when-to-purchase-scooter-insurance\/#breadcrumbitem"}]}]