Scooter insurance

[mbk]

I bought a scooter for $2.3k as primary mode of transport recently and got just above the minimum coverage mandated by state of California. The limits are
Bodily Injury Liability:  $30,000/$60,000
Property Damage Liability: $5,000
I don't have much experience with MC insurance, so I am wondering if this is sufficient or am I missing some scenario.

If any of you can share your experiences or wisdom, that would be very helpful for me.

Thanks,

[chucklesmcgee]

That's fine. Absurdly improbable you cause more than $30k of injury to someone else with a scooter or do more than $5k in property damage.

[dragoncar]

That's fine. Absurdly improbable you cause more than $30k of injury to someone else with a scooter or do more than $5k in property damage.

Not directly, but you could easily do something stupid that causes another person to die (miss a stop sign, cross-traffic car swerves to avoid you and runs over a pedestrian... I don't know but stuff can happen).

[chucklesmcgee]

That's fine. Absurdly improbable you cause more than $30k of injury to someone else with a scooter or do more than $5k in property damage.

Not directly, but you could easily do something stupid that causes another person to die (miss a stop sign, cross-traffic car swerves to avoid you and runs over a pedestrian... I don't know but stuff can happen).

Of course, but you aren't insuring against every single possibility. Do you have bike insurance too?

[Greg]

Run into a Mercedes and you'll be paying a lot more than $3K for the bumper repair.

[dragoncar]

That's fine. Absurdly improbable you cause more than $30k of injury to someone else with a scooter or do more than $5k in property damage.

Not directly, but you could easily do something stupid that causes another person to die (miss a stop sign, cross-traffic car swerves to avoid you and runs over a pedestrian... I don't know but stuff can happen).

Of course, but you aren't insuring against every single possibility. Do you have bike insurance too?

Yes, my umbrella insurance covers liabilities incurred while riding a bike.

[mbk]

Run into a Mercedes and you'll be paying a lot more than $3K for the bumper repair.

True and I live in a very expensive town and I see lot of these fancy cars.