Every state carries minimum insurance requirements for motorcycles which include scooters. In New York, for example:
- The required minimum property damage (PD coverage) is $10,000 for injury of property of others in any one accident
- The required minimum bodily injury (BI)/death coverage is:
- $25,000 per person injured in any one accident
- $50,000 because of the death of one person in one accident
- $50,000 for all persons injured in any one accident
- $100,000 for the deaths of all persons in one accident
However, those BI and PO limits are minimums. Recommended coverage amounts for BI are $250,000 per person and $500,000 per accident and $25,000 for PD.
Scooter Insurance- Optional Coverages
Following are some optional coverage you may want to consider:
- Uninsured/Underinsured Motorist- This protects you from drivers who either don’t have insurance or who carry inadequate coverage
- Bodily Injury Liability- This protects you from injuries caused to someone by your actions
- Property Damage Liability- You’ll be covered if you have damaged the property of another up to the policy limit
- Medical Payments- You’ll be covered for medical payments for any injury to you or your passengers. Example of this includes x-rays, ambulance costs and dental expenses.
- Roadside Assistance- If you need help because of the following:
- Flat tire
- Dead battery
- Lock out
- Lack of a full supply of fuel, oil or other necessary vehicle fluids
- Stuck within 100 feet of the roadway
- Mechanical or electrical breakdown
This coverage pays for towing to the nearest repair facility and labor costs at the place of the breakdown.
So, consider the right coverages for your scooter and shop around for them. Policies and premiums differ from company to company.