Scooter insurance may include liability, collision, comprehensive coverage and more, depending on the policy you select. You may be wondering, do scooters require insurance? Coverage requirements vary by state, but having a reliable scooter insurance policy is recommended in the event of unexpected damages.
Read about what scooter and moped insurance covers below. You can your free scooter insurance quote and get covered in minutes with Nationwide.
Liability coverage for scooters
Many states require liability insurance for scooters, also known as “property damage/bodily injury.” This coverage can help cover expenses from damaging a vehicle or injuring a person in an accident.
Collision coverage for scooters
Collision insurance helps pay for damage to your scooter if you hit another vehicle, another vehicle hits you or your scooter rolls over. Collision coverage includes coverage for scooter safety apparel up to $2,000. Collision coverage may be required if your scooter is financed or leased.
Comprehensive coverage for scooters
Comprehensive coverage 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 scooter parts and equipment.
Uninsured or underinsured motorist coverage
Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your scooter. This coverage is often paired with underinsured motorist coverage, which is similar, but for situations where the other driver’s insurance will pay for some of the damages. Such coverage may also protect you from covered hit and run accidents. Each state has its own uninsured motorist laws and such coverage is subject to policy coverage provisions and limits.
Roadside Assistance for scooters
Emergency Roadside Assistance can provide scooter owners help with a flat tire, a jump start or even a tow. This coverage can reimburse you for a tow and the labor costs to get your scooter or moped up and running again. You can also increase your protection to include trip interruption expenses you incur when you are more than 100 miles away from home.
Medical payments coverage for scooters
Medical payments helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
OEM endorsements help ensure that your vehicle is repaired with new parts from the original equipment manufacturer, whenever available. If an original equipment manufacturer part is not available, we will issue payment based on the fair market value of the new original equipment manufacturer part. This coverage is available for vehicles less than 10 years old.
Scooter insurance discounts
You may be eligible for a reduced rate on the above policies. Explore Nationwide’s discounts on scooter insurance coverage today and start saving. In addition to scooter coverage, Nationwide also offers a range of motorcycle insurance coverage options. Learn more today.