Here what you should know:
- Liability insurance is required to operate a scooter on public streets in most states.
- When you are at fault in an accident, liability insurance covers the cost of injury to others and damage to their property.
- Collision and comprehensive coverages help pay to repair or replace your own scooter.
Question I want to buy a scooter for running errands around town. They’re easy to park and great on gas. What are the insurance options for it?
Farmers Insurance® agent Nick Weiser of Oxnard, California, has this to say about insuring your scooter.
Answer If you’re going to ride your scooter on public streets, you may want to insure it — and in some states it may be required. Liability coverage is required by law almost everywhere. It helps cover the cost of injury to others and damage to their property if you’re responsible for an accident.
Farmers also offers collision coverage, which helps pay for damage to your scooter if you hit another vehicle or stationary object. The third type — comprehensive coverage — covers your scooter for theft, vandalism, fire, hail and other non-collision perils. Collision and comprehensive are technically optional, but if you take out a loan, your lender may require full coverage until the loan is paid off.
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