Scooters are a popular form of transportation for a simple reason: they are a less expensive compared to more mainstream options in just about every way. Even high-end scooters are less expensive than a car or a motorcycle both in pricing and maintenance, and not to mention gas efficiency.
All these factors should make for an extensive “pro” column if one considering one these vehicles; however, although a scooter may be the more economical option for many people, it would be negligent to say there aren’t additional costs in using one. Because no matter the financial viability of a scooter, it does not change the reality that they are subject to at least the same risks and considerations of road travel as other larger forms of transportation; and with risk there is the need for insurance.
When it comes to scooter coverage, most states require owners to have liability insurance. This is the most basic type and covers in the event of an accident any injury and damages for which the buyer is at fault . While this is the minimum coverage an owner is obligated to buy in most cases, it is far from the only option one may look into.
Liability is a requirement for road travel, but it only covers the risks the owner poses to other drivers, leaving the scooterist unprotected on his or her end. If an owner wants the other half of that protection, then collision coverage is the answer. This type of coverage insures the owner against any damages which may happen to his or her vehicle in the event of a collision, and considering the size and more vulnerable nature of a scooter, it stands to reason this may be a wise investment.
According to One Sure Insurance, the most important aspect of cheap Scooter Insurance could be avoiding comprehensive cover. Comprehensive coverage is an option for anyone who may want protection against non-collision related damage. This includes damage caused by vandalism, theft, falling tree branches, fire and weather. While not necessary, with the lightweight and compact nature of a scooter there is always the trade-off of an extra element of exposure. Comprehensive coverage for a scooter should take a bit of the load off of anyone’s mind if they are looking to buy or already own one.
Medical Payments Coverage
And no rational person would forget the potential for bodily harm when operating any form of transportation, especially a scooter. At only a fraction of a second all of the cost benefits one may have with their scooter may go flying out the window due to injury caused by a careless driver or a pothole. To keep a bad situation from getting worse, a scooterist should consider medical payments coverage. Just as the name suggests, medical payments coverage insures an operator or passenger for any medical costs imposed by an accident, regardless of fault. Only required in some situations, such an investment may possibly be a life saving decision for anyone choosing to operate a scooter.