Mobility scooter users are typically not required to have mobility scooter insurance, since they do not ride on public streets. Rather, mobility scooters are designed to traverse sidewalks, parking lots, shopping malls, grocery stores and buildings.
Yet, many mobility scooter users voluntarily take out insurance to protect themselves in case of damage from an accident or theft. The financial consequences of a scooter accident can be significant. Not only will scooter insurance provide you with some financial protection, it will also give you peace of mind.
Note that insurance for mobility scooters and electric wheelchairs is readily available for UK residents. In the U.S., this type of protection may be covered separately or included with other types of policies.
Types of Mobility Scooter Insurance
There are two types of scooter insurance:
Moreover, if you hit someone with your scooter or damage someone’s property and are sued for negligence, some insurance may cover court fees. Policies may also cover the cost of getting you and your scooter back home after an accident or breakdown. Such recovery assistance is usually offered on a 24 hours per day, 365 days per year basis.
It is important to determine exactly what a given scooter insurance policy covers, in writing, to avoid misunderstandings and claims issues. Therefore, prior to shopping for mobility scooter insurance, find out if you are already covered by your homeowners policy.
Some homeowners policies include mobility scooter protection at no additional cost. Those that do typically cover theft and accidental damage, as well as personal liability up to a given limit.
Tips for Selecting a Policy for Your Mobility Scooter
Typically you can choose to take out annual scooter insurance, or save on your total premium by taking out a a two- to three-year policy at once. Shop around to find a competitively priced policy that provides sufficient coverage for your needs. If you think you’ll have trouble paying a particular policy's premium, select a policy that has a higher deductible.
What Are the Limitations of Scooter Insurance?
Some insurance providers may put a cap on the number of times you can file a claim. Also, keep in mind that some policies will only cover the scooter you had when the policy commenced. Therefore, make sure to notify your insurance company if you decide to buy a new scooter mid-way through your policy.
This article is designed to serve as an information resource as you consider insurance coverage for your mobility scooter. The information here is summary in nature and not inclusive to specific policies and coverages.
Policy terms and conditions differ and you must thoroughly familiarize yourself with the details of your coverage. Seek the counsel of a reputable insurance agent who has experience with mobility insurance to ensure you are signing up for the coverage that you need.
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