Nearly all insurance companies include mopeds and scooters in their motorcycle insurance policies. Most states require some form of vehicle insurance for mopeds and scooters with an engine of 50 cc or more, usually in the form of liability coverage for bodily injury and property damage. This type of insurance will help cover property damage and injuries to others when you are considered to be at fault in the event of an accident. Moped insurance is a bit more complicated than other types of vehicle insurance, as some states don't allow auto insurance companies to approve injury claims through personal injury protection.
Electric scooters may also not be included in motorcycle insurance, as they require users to stand on their feet. Therefore, if you drive a scooter or moped, you'll need to have the right car insurance coverage and motorcycle license. It's essential to have full scooter or moped insurance coverage to protect both you and your vehicle, since you're more likely to suffer material damage and medical injuries in a collision or accident. Insuring a moped with your current car insurance provider may not be the first thing that comes to mind, but it's easy to see that moped insurance is valuable coverage. People often think that a scooter or moped are less risky than a motorcycle, and that's because these types of scooters are more suitable for beginner riders than any other type of motorcycle. To find out what type of insurance is required for your specific scooter and what coverage options are right for you, talk to an insurance agent in your area.
Laura, a former insurance producer, understands that education is key when it comes to buying insurance. Happily, he has spent many hours helping his customers understand how the insurance market works so that they can find the best auto, home and life insurance products for their needs. If you're considering buying a moped or scooter, make sure you understand the laws in your state regarding vehicle insurance. It's also important to research with your current car insurance provider or insurance agent to make sure you have the right coverage for your needs.
