What are e-scooters? Electric or e-scooters can be rented from scooter sharing companies by adults, typically with a valid driver’s license. E-scooters are often used for short, one-way trips, and riders obtain access to e-scooter companies via smartphone apps, which use location data to show riders the nearest available e-scooters. Riders unlock the e-scooter with the app; when they arrive at their destination, they leave the scooter there, away from foot and vehicular traffic.
Does insurance cover e-scooter losses? Riders with health insurance likely have coverage for medical care, if needed, to treat injuries from e-scooter accidents. However, rider health insurance is unlikely to cover losses caused by accidents that injure pedestrians, damage bystander property, or cause car accidents, and rider may be financially responsible for those losses.
If you routinely ride e-scooters, contact Rising Star Insurance Group to ask if you need an additional umbrella or excess liability policy.
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