Many state laws require liability coverage, also known as “property damage/bodily injury.” It can help cover expenses from damaging a vehicle or injuring a person in an accident.
A collision scooter insurance policy helps pay for damage to your scooter if you hit another vehicle, another vehicle hits you, or your scooter rolls over. Collision includes scooter insurance coverage for safety apparel up to $2,000. Contact an agent to find out whether collision coverage can be required if your scooter is financed or leased before requesting a free scooter insurance quote.
Comprehensive helps pay for damage to your scooter not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters. Comprehensive also covers custom parts and equipment.
Uninsured or underinsured motorist coverage
This coverage helps pay for repairs to your scooter if it is damaged in a covered accident by an underinsured, uninsured or unidentified driver. It can also help pay medical costs, lost wages and other damages for you and any passengers injured in an accident. Coverage varies from state to state and is required in some states.
Medical payments helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
Towing and labor
This coverage reimburses you for towing and labor charges if your scooter is disabled. Typical services include: battery jump-starting, tire changing, and locksmith services.
An original equipment manufacturer (OEM) endorsement ensures that aftermarket and salvage replacement parts won’t be used to repair your vehicle.