Insurance for Scooter Accidents in Atlanta, GA
Scooters are easy to rent and seem to be available at every street corner. These electric scooter companies are “dockless,” which allows you to rent and drop off a scooter wherever and whenever you like. You can even use an app on your smartphone to make a rental.
Typically the scooters you see on the corner or near the bus stop are battery-powered and you must stand when you’re riding them. Usually, you can’t go faster than 15 or 20 mph, and they often don’t require a driver’s license.
To be safe you should wear a helmet and make certain that you have scooter insurance. Most rental companies require you take out insurance when you rent a scooter.
The majority of scooter rental companies carry liability insurance to protect motorists injured or with vehicles damaged in an accident involving their scooters. However, the scooter companies don’t provide insurance coverage for scooter operators. Typically, a scooter operator injured in an accident must use their own insurance or that of the at-fault party.
While there are some insurance companies that cover scooters under motorcycle insurance policies, others have specific scooter insurance policies. Most states say that if the scooter’s engine is 50 cubic centimeters (cc) or larger, the state may require insurance.
A scooter going 15-20 mph may seem pretty harmless, but it can do considerable damage and cause significant injuries to riders and bystanders.
Types of Scooter Insurance Coverage
Again, many insurance companies cover scooters under their motorcycle 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’s 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 minimum amount of liability coverage. There are two types of liability coverage:
Bodily Injury or Personal Injury Liability Insurance
Bodily injury (“BI”) or personal injury (“PI”) insurance is a type of liability insurance that will pay for another person’s medical expenses if you’re at fault in an accident that causes their injury.
Property Damage Liability Insurance
This insurance for property damage will pay for repairs if you’re at fault in an accident that damages another individual’s property, whether it’s another vehicle or perhaps damage to their house or other structures.
Collision Coverage Insurance
If you’re driving a scooter and hit another scooter, motor vehicle, or an object like a retaining wall, fence, or structure, collision coverage will generally pay to repair or replace the scooter.
Uninsured / Underinsured Motorist (“UM”) Insurance
If you’re hit by a driver who doesn’t have insurance, uninsured motorist coverage can help pay for your medical bills and perhaps repairs to the scooter.
Medical Payments (“Med Pay”) Insurance
If it’s available, med pay coverage can will help to defray your medical expenses if you’re injured in an accident on the scooter.
In addition, some individuals have an umbrella policy, which is extra liability insurance. An umbrella liability policy covers generally has a much higher limit than a standard liability policy. It also extends beyond claims directly relating to a person’s 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’re held responsible for damages or bodily injuries.
That’s quite a few types of insurance! On the bright side, scooters are less expensive than cars and motorcycles, so you can usually buy fairly inexpensive insurance.
Insurance Policy Limits
It’s also critical to know that all insurance coverages—including those for scooters—have a limit, which is the maximum dollar figure that an insurance company’s policy will pay after a covered claim. Your scooter policy may also have a deductible or an amount you’ll pay out of pocket toward a covered claim.
Scooter Accident Lawyer Atlanta GA
Insurance is essential for operating a scooter. Understand the different types of insurance and what’s required in your area.
If you’re involved in a scooter accident, the at-fault driver’s insurance should pay, along with any umbrella policy if damages exceed those policy limits. The area of insurance and torts law is evolving in this area, so be sure to speak with an experienced accident attorney like those at the Law Offices of Butler Law Firm.