Who Needs Scooter Insurance?

There is a short answer to the title question posed at the top of the page: anyone with a moped needs insurance for mopeds. Regardless of what kind of scooter you possess, moped insurance is a necessity. Even if an owner merely uses his two wheeled vehicle for recreational purposes, it is very unwise to go without insurance. Many states require drivers to carry this kind of insurance, but those who live in states without these regulations would be smart to consider purchasing a policy anyway.

Interestingly, one need only be 15 years old to legally drive a bike. Younger drivers would benefit most from having an insurance policy, as many of us do not make it out of our youths without being in some kind of traffic accident. They are low powered vehicles, and therefore the license restrictions upon them are looser. They do not ever get up to the same speeds that a motorcycle can reach, though there are some of the vehicles can reach up to 80 miles per hour.

Scooters are smaller in size than a motorcycle, and some may think this means they are less dangerous. Indeed, many of them do not get up to very high speeds at all but this does not mean a driver cannot be caught in a life-threatening traffic accident. Because scooters expose drivers to the elements, there is nothing between a driver and other vehicles on the road. An accident could prove to be extremely harmful to someone riding one.

Mopeds received their name from a combination of two words: motor and pedal. Today, there are vehicles made that do not have pedals -- indeed, this is the more common form out on the road. These vehicles typically have two wheels and can only be used upon roads on which they can reach the maximum speed limit. The law restricts their use upon freeways and interstates. Not all of them are allowed to carry passengers. Some states actually outline whether or not a passenger is allowed on it, and some states are quicker to enforce these laws than others. Drivers will have to check with their own state agencies to see what laws apply to them. There are a few states which treat mopeds as motorcycles requiring drivers to obtain a certain type of license to obtain one. This is actually a good thing as far as safety is concerned. Drivers should absolutely understand the risk they are taking when they ride a moped, and learning more about how to drive one defensively can never be a bad thing. Before obtaining an insurance policy, check with the DMV to make sure that the policy you plan to purchase will meet the requirements of local law.

Before settling on one policy, shop around. The internet is a great place to begin your search, as it is easy enough to obtain a number of quotes from different sources. This will give you a feel for what is out there, and how much it costs to obtain insurance for your vehicle.

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