Enjoying a recent explosion in popularity, scooters are more frequently seen as offering a viable choice for safe, energy efficient and economically sound travel. Substantially more trendy and attractive than versions from earlier generations, today's scooters have a hip attitude sought by many consumers. For anyone considering a purchase of a scooter, however, it is critical that some time be spent researching insurance options. In addition to the more basic, customary coverage that might spring to mind, it is advisable, and perhaps even necessary to consider obtaining scooter liability insurance.
The laws regulating motor scooter insurance vary from state to state, so a thorough study of the statutes in the potential owner's location will be needed. Even though the specifics of the insurance a scooter operator must have may differ depending on the state, it is a virtual certainty that coverage of some type will be needed. The factors that determine the cost of a policy are not unlike those used in the pricing of car insurance. The type of scooter in question, the optional features on it, the driving history of the proposed insured, and other factors will be analyzed by prospective carriers. In addition, a scooter owner is advised, and sometimes even required, to purchase scooter liability insurance beyond the more basic types of coverage such as collision and theft coverage, and damage caused by natural disasters and vandalism.
Scooter liability insurance provides coverage for personal injury and property damage sustained by others in cases where the scooter operator is found to be at fault for the incident. The injury coverage compensates others for medical expenses and possibly also for the injured party's lost wages and the insured's legal expenses in the event of litigation. Since liability insurance requirements vary widely among states, it is important to seek guidance from industry professionals who are well versed in scooter insurance products.
Many of the large, national insurance providers sell scooter liability insurance as part of their motorcycle category of products. Even in instances where such coverage is not mandated by statute, it may be a good idea for a scooter owner to solicit price quotes for this desirable extra layer of coverage. With a small investment of time, the assistance of a knowledgeable insurance professional and an honest cost and benefit analysis, it is possible for the scooter novice and enthusiast alike to freely explore the highways and byways with the wind in their hair, safe in the knowledge that both their equipment investment and their financial well being are secure.