Do You Need Mobility Scooter Insurance?

It seems there’s an insurance policy available for just about everything these days. Between health insurance, personal liability insurance, homeowner’s insurance, and renter’s insurance, if you can buy it, you can insure it. Have you ever considered getting insurance for your mobility scooter, though? Most people will get insurance for their scooter, but it isn’t something that you need to use a mobility scooter, unlike a car. Here are some reasons you should consider getting mobility scooter insurance.

Do You Need Insurance?
Mobility scooters, in general, don’t require owners to have an insurance policy. Mobility scooters aren’t allowed on the road, so they don’t need to be insured to use them. That means that you can use your scooter in a store, parking lot, and on the sidewalk without having to get mobility scooter insurance.

Insurance Protects Your Scooter
It is still worth investing in insurance, even if you don’t technically need it. Insurance will protect your scooter if it is stolen or damaged. Mobility scooters can be a significant investment, so it’s worth doing what you can to protect that investment. If your scooter is damaged during transport, then your insurance policy can help to cover the repair costs for that accident.

Insurance Policies can Protect You
Mobility scooter insurance can protect more than just the scooter. A good insurance policy can also protect you if you have an accident. There are still many opportunities to have an accident, even if you stay off the road. For example, it’s possible that another vehicle could hit you as you crossed the road or come up on the sidewalk and hit you.

Personal insurance can also protect you in the event that you cause damage with your scooter or hit someone with it. Insurance policies are there to help you if you get hurt in an accident that isn’t your fault and needs money to cover legal fees and scooter repairs.

Not All Policies are Created Equal
Be sure to review any insurance policy that you consider getting. Scooter insurance is no different from any other kind of insurance. Make sure that the things you need are covered by the policy and check to see how much the premiums cost and how you will receive payouts.

Shop around and find the right policy for you. The first insurance policy you find might not be the best one. Doing a bit of due diligence now can save you a lot of time, money, and headaches in the future. Find the right policy at the right price for you.

Final Thoughts
Don’t hesitate to get in touch if you have any questions about mobility scooters, including how to buy and use mobility scooter insurance. We’ll be more than happy to help so that you can continue to live the independent life your mobility scooter affords you.

Trevor Baker

I'm a handyman who loves rebuilding anything old with wheels and a motor.