Author Topic: Scooter insurance  (Read 1974 times)

mbk

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Scooter insurance
« on: April 13, 2014, 10:11:14 AM »
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

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Re: Scooter insurance
« Reply #1 on: April 14, 2014, 04:42:24 PM »
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

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Re: Scooter insurance
« Reply #2 on: April 14, 2014, 05:52:25 PM »
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

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Re: Scooter insurance
« Reply #3 on: April 14, 2014, 08:14:44 PM »
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

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Re: Scooter insurance
« Reply #4 on: April 14, 2014, 10:43:31 PM »
Run into a Mercedes and you'll be paying a lot more than $3K for the bumper repair.

dragoncar

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Re: Scooter insurance
« Reply #5 on: April 15, 2014, 12:40:29 AM »
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

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Re: Scooter insurance
« Reply #6 on: April 16, 2014, 07:37:28 PM »
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.