Types Of Scooter Insurance Coverage
If you own a scooter, chances are that you want to protect yourself and the items you own. Scooter insurance coverage comes in many forms, and you need to know which coverage is going to be best suited for your scooter.
These are some of the coverage options you should think about.
Liability Coverage
Liability coverage covers the costs of injuries and property damage that results from damage caused by you and your scooter on the road. Typically, this insurance is required in every single state for any type of vehicle. This covers damage your scooter causes, no matter how minor, to other vehicles.
Comprehensive Coverage
Your scooter also receives protection with a comprehensive coverage policy, which is not required by the government but could be required by the person who holds your lease. Comprehensive coverage helps cover anything that befalls your scooter when it is not in motion. This includes things like weather damage and theft, which are all too common for scooters and other smaller vehicles.
Medical Payments
Medical payments cover the injuries of passengers due to an injury. If you have somebody who rides on the back of your scooter, you want to make sure that they are covered in the event of a serious injury. Medical injuries can be more serious when you are on a small vehicle like a scooter, which is why medical payment coverage is so important to have.
Collision Coverage
Collision coverage covers damage to your scooter if you hit another vehicle or something hits you. This type of coverage can also allow for protection for your safety gear. If you drive a scooter, you may have pads and a helmet that require coverage as well. This insurance is typically not required by the state.
Uninsured Motorist Coverage
When you ride a small vehicle like a scooter, you are at higher risk for injury. You could be left with a lot more medical bills than you would if you were in a vehicle, which can make it all the more devastating when the other driver is uninsured or underinsured. This kind of coverage helps cover your bills when somebody else cannot.
Get Insurance Coverage for Your Scooter
Do you still have questions about getting the right coverage for your scooter? Call an insurance company to learn more about protecting yourself and your scooter whether you are driving or you have parked your vehicle.
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