Life Insurance and Retirement
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Scooter Insurance Near Me

Generally speaking, if your scooter’s engine is 50 cubic centimeters (cc) or larger, your state may require you to insure it. Read on to learn more. 

Each state defines and regulates “scooters” a bit differently, often based on engine size. And scooters can have a wide range of engine sizes. 

Insurance and Registration

Most states require liability insurance (check your state’s laws). You can also get other coverage for you and your scooter, such as comprehensive, collision, medical payments, uninsured driver, etc.  

What Kind Of Insurance Will I Need?

Here are some options:

Liability Coverage

As with cars, drivers in most states are required to carry minimum amounts of liability coverage. There are two types of liability coverage:

  • Bodily injury liability: Helps pay for someone else’s medical expenses if you cause an accident that injures them.
  • Property damage liability: Helps pay for repairs if you cause an accident that damages someone else’s property.

Collision Coverage

If you collide with another vehicle, or another object such as a fence, this may help to pay to repair or replace your scooter.

Comprehensive Coverage

This coverage helps pay to repair or replace your scooter if it’s damaged in an incident that’s not a collision.  

Uninsured Motorist Coverage

If you’re hit by a driver who doesn’t have insurance, this coverage may help pay for your medical bills or for repairs to your scooter.

Medical Payments Coverage And Personal Injury Protection 

Medical payments coverage helps pay for your medical bills if you’re injured in an accident on your scooter. Similarly, personal injury protection (PIP) helps pay for your medical bills after an accident. PIP also helps cover lost wages if you’re unable to work after an accident.

Lastly, it’s important to know that all insurance coverages have a limit, which is the maximum amount your policy will pay after a covered claim. Additionally, some coverages have a deductible, which is the amount you’ll pay out of pocket toward a covered claim.

Auto Insurance Quotes

From offering liability protection to you and your family to helping you get reimbursed for personal property damage, auto insurance provides many types of coverage. Learn more about Auto Insurance Coverage or get a free auto insurance quote from Klimes Insurance today.

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