General damage to your scooter is bad enough, especially the inconvenience that comes from not having transportation.
But how much of an inconvenience is it if you are laid up in hospital for a couple weeks because of an accident caused by someone else? Scooters can be fixed, but your body may not be! Most, if not all, scooter insurance policies will have some sort of component for personal injury.
If you are worried about this, talk to a personal injury attorney who will answer any questions your insurance company can't provide you.
However, these are some categories where policies will cover you in terms personal injury protection.
Bodily Injury - This means that if you are involved in an accident and either you or the other driver (if you are at fault) hurts themselves (ie fractured limbs, etc), they are covered for costs of "patching them up" so to speak.
There may be a small deductible that you will have to pay (this is standard for pretty much all insurance policies across a wide spectrum (ie scooter, commercial auto insurance, motorcycle insurance, normal car insurance, etc) Property Damage - This will cover you for any damage you cause to someone's property, even if you are the only one involved.
For example, just say you're driving along on your fast gas scooter, and you careen off the road and through someone's fence.
Even if it is really not your fault (is slippery conditions, etc), you would still be liable to pay for damages.
This is where your insurance policy should cover you.
Medical Payments - paying for hospital bills is bad enough, but what about on-going costs afterward? For example, on-going nursing or therapy can be quite expensive over a year or so.
It is highly likely that your insurance policy will provide coverage for any ongoing medical costs, usually of a lump-sum payment.
However, be warned! It may not cover for everything, so you need to investigate this.
Uninsured and underinsured drivers - Just like basic coverage that covers for drivers who are either uninsured or underinsured, your policy should cover you if the other driver is at-fault and either has no insurance or does not have enough coverage to pay for your medical expenses.
As a word of advice: DON'T LET THIS HAPPEN TO YOU!!! You should ALWAYS make sure you have adequate insurance, especially to pay for the damage you may cause! Guest passenger liability - Many scooters today are big enough to have a passenger with the driver.
If you are in an accident, some auto insurance policies may provide coverage for the driver and not cover for a passenger.
However, most scooter insurance policies should also provide coverage for a passenger in term of personal injury protection.
Just like general protection, making sure your company provides some sort of personal injury protection is equally important.
As stated before, your scooter can generally be repaired or replaced with minimal inconvenience to you.
However, your personal protection (or your passenger!) is equally important.
But how much of an inconvenience is it if you are laid up in hospital for a couple weeks because of an accident caused by someone else? Scooters can be fixed, but your body may not be! Most, if not all, scooter insurance policies will have some sort of component for personal injury.
If you are worried about this, talk to a personal injury attorney who will answer any questions your insurance company can't provide you.
However, these are some categories where policies will cover you in terms personal injury protection.
Bodily Injury - This means that if you are involved in an accident and either you or the other driver (if you are at fault) hurts themselves (ie fractured limbs, etc), they are covered for costs of "patching them up" so to speak.
There may be a small deductible that you will have to pay (this is standard for pretty much all insurance policies across a wide spectrum (ie scooter, commercial auto insurance, motorcycle insurance, normal car insurance, etc) Property Damage - This will cover you for any damage you cause to someone's property, even if you are the only one involved.
For example, just say you're driving along on your fast gas scooter, and you careen off the road and through someone's fence.
Even if it is really not your fault (is slippery conditions, etc), you would still be liable to pay for damages.
This is where your insurance policy should cover you.
Medical Payments - paying for hospital bills is bad enough, but what about on-going costs afterward? For example, on-going nursing or therapy can be quite expensive over a year or so.
It is highly likely that your insurance policy will provide coverage for any ongoing medical costs, usually of a lump-sum payment.
However, be warned! It may not cover for everything, so you need to investigate this.
Uninsured and underinsured drivers - Just like basic coverage that covers for drivers who are either uninsured or underinsured, your policy should cover you if the other driver is at-fault and either has no insurance or does not have enough coverage to pay for your medical expenses.
As a word of advice: DON'T LET THIS HAPPEN TO YOU!!! You should ALWAYS make sure you have adequate insurance, especially to pay for the damage you may cause! Guest passenger liability - Many scooters today are big enough to have a passenger with the driver.
If you are in an accident, some auto insurance policies may provide coverage for the driver and not cover for a passenger.
However, most scooter insurance policies should also provide coverage for a passenger in term of personal injury protection.
Just like general protection, making sure your company provides some sort of personal injury protection is equally important.
As stated before, your scooter can generally be repaired or replaced with minimal inconvenience to you.
However, your personal protection (or your passenger!) is equally important.
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