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Do I Need to Insure My Mobility Scooter?

Do I Need to Insure My Mobility Scooter?

There are so many different insurance policies available for purchase today between renter’s insurance, homeowner’s insurance, auto insurance, health insurance, and personal liability insurance. If you own a mobility scooter, have you ever thought about purchasing insurance for it? Many scooter owners purchase insurance for their equipment for one reason or another, but it is not typically required of you in order to operate the machine outside of your home. Let’s explore mobility scooter insurance and how it can protect you and your scooter.

Is Insurance Required?

Do mobility scooters require insurance? For the most part, mobility scooters do not require insurance. Why? These scooters are usually not allowed on the road, which is why they do not need to be insured like motor vehicles, golf carts, motorcycles, or other motorized vehicles. This means that you will be able to operate your mobility scooter on the sidewalk, in stores, in parking lots, and other areas without having an insurance policy in your name for the scooter.

Insurance Can Protect Your Scooter

do mobility scooters require insuranceOn the other hand, insurance will be able to protect your scooter. For example, you can purchase an insurance policy that protects your scooter in the event that it is damaged or stolen. These scooters are an investment, and you should not have to be on the hook for replacement costs if the scooter is stolen. Should your scooter suffer damage while it is being transported on a bus or in the trunk of a car, an insurance policy could help cover the costs of the repairs.

Insurance Can Protect You in an Accident

Electric scooter mobility insurance is also available to protect you in an accident. Even though you are not permitted to operate your scooter on the road, you can still wind up in an accident with a motor vehicle. How? If you are using a crosswalk and a vehicle does not follow the rules of the road, you could be hit. A vehicle could also jump the curb and wind up on the sidewalk, hitting you while you’re riding your scooter.

This insurance will also cover you should you hit someone with your scooter or cause damage using your scooter. If you are involved in an accident that is your fault, the insurance you have on your scooter might cover the court fees or other expenses associated with the accident. 

Review of Insurance Policies

As with all other insurance policies, it is important that you review a mobility scooter insurance policy prior to purchasing it. You will want to make sure you understand what the policy covers, how much the premium costs, and how payouts will be made in the event of a claim. 

Have Questions About Your Mobility Scooter? Call Yellow Scooters Today

If you have questions about your mobility scooter, or how to purchase new equipment or insurance, be sure to speak to the experienced team from Yellow Scooters. Call us today at 1-855-274-3363 to find out more about your scooter, the insurance options available, and how you can have your scooter repaired. Your mobility scooter is important to living an independent life. Make sure it is in good working order before each ride.