Car Insurance: AAA, Progressive, NJM, State Farm Electric Scooters (Lime) Auto insurance policies are not compatible with electric scooters, which are currently exempt from registration, and therefore their operation requires no insurance. However, coverage needs to be obtained in the event that a collision does occur. For the operation of these vehicles insurance, you should inquire with your company about specific coverage and their requirements. You can also find more information here and here. Motorcycle Insurance: E-Bike insurance policies are not compatible with motorcycle insurance as stated above. Motorcycle insurance can be obtained through insurance websites that are dedicated to motorcycles, like this one. The same goes for snowmobiles. However, for an electric motorcycle, no license is needed as long as the electric motor is covered under the motor vehicle insurance policy. Driving History: E-Bikes are considered new vehicles that can be used after a 6 month waiting period from the date of first registration. If an owner has not been driving for the past 6 months, then the vehicle is registered as a motorcycle and will require an original or duplicate (by mail) owner’s license and a motorcycle endorsement. What is not covered? Personal Liability and Uninsured/Underinsured Coverage: When operating a personal vehicle, you have a personal liability policy in case you injure others. However, this coverage is not available when driving an electric scooter because personal liability is not applicable in such case. Personal liability coverage should be obtained separately in case of a crash while operating an electric scooter. It is also advisable to opt for Uninsured/Underinsured motorist coverage (UM/UIM) coverage for the same reason, i.e. lack of required licensing and the fact that the vehicle is not registered as a regular vehicle. Hired Vehicle and Other Coverages: If you have hired an electric scooter, any coverage that is available for Hired vehicle is applicable, but note that collision insurance is excluded. You need to get separate collision insurance in that case. Insurance companies will tell you the amount of personal injury and property coverage they will provide based on the risk associated with electric scooter coverage, so make sure you find the right coverage for your needs. Commercial Liability: If you own and operate an electric scooter, you may need an endorsement for Commercial vehicle coverage. You need this coverage in case of an accident that you cause while driving a business vehicle. Excess Coverage: Any policy that provides collision insurance is sold as an Excess policy and should not be confused with a Primary coverage that would need to be purchased separately. Towing and Recovery: If your insurance policy requires you to go for towing and recovery service in case of a collision, then this insurance is not required if you’re driving an electric scooter. Collision Damage Waiver: If the electric scooter does not have a separate license plate, it becomes difficult for a tow truck to locate the owner of the vehicle. Without having to contact you, the tow truck company is likely to look for other electric scooter owners in the area, and this might result in a collision that causes damage to the vehicle. You will be liable for any damage to the vehicle and this will not be covered by the policy. A personal car insurance policy does not cover electric scooters, but you need a separate vehicle insurance policy for these vehicles. The same goes for snowmobiles. The good news is that you can get such insurance for an extremely low price. Whether you need a personal liability policy, uninsured and underinsured motorist coverage, or if you need other optional insurance coverage like towing and recovery service, you can find the coverage you need and save money in the process with our low-cost electric scooter insurance coverage. Riding a scooter is one of the best ways to have fun around town, but if you plan to cover long distances to get to your destination, then you will need to invest in electric scooter insurance. This type of coverage allows you to rent an electric scooter when you do not own one and you have other options as well like car rental services. It is a wise move for anyone to rent a scooter especially for the elderly because of the ease of riding and the fun of doing it. Electric scooter rental is more affordable than most people think. If you are on a budget, do not worry because you can find an electric scooter rental service that offers reasonably priced electric scooters at very cheap rates. You can compare different electric scooter rentals and rentals using sites like Kayak, Orbitz, and TripAdvisor. There is even a search engine that is available to look for electric scooter rentals. A typical electric scooter is fairly cheap and can be rented for a good amount depending on how long you want to use the electric scooter and the type of scooter you’ll be renting. There are many companies that rent the electric scooters at a reasonable price. Each has a different set of features, but the common features are as follows. Basic Features Safety Features Battery Charging Features Mobility Charge Speed Foldable Scooter Remote Lock Charge Time Electric Scooter Insurance The electric scooter needs to have liability insurance if you are planning to rent one. Electric scooters do not have regular licenses, but have to pay an annual registration fee and require an application for a license. Many states have been following California regulations on the use of electric scooters and it is not a bad idea to rent an electric scooter in California. The California Vehicle Code (CVC) defines that electric scooter rental is illegal. Electric scooter liability insurance is available for anyone who wishes to ride and have the option to rent an electric scooter. Electric scooter insurance includes not only liability coverage for the electric scooter itself, but it also covers you in case of an accident as well as damage to property if a person, property, or something is damaged by your electric scooter. Many insurance policies cover liability if the individual renting an electric scooter is not licensed or he or she does not have a proper license, so it is always a good idea to consult with your insurance agency regarding the type of insurance they will provide. Covered under the liability insurance are damages to the individual’s electric scooter. Damage caused by the driver of the scooter as well as the battery if it is stolen. Since electric scooters do not have a license plate, renting one will cause quite a few problems if a collision occurs. Most electric scooter insurance policies require that you pay the first $100 of the cost of the damages if the electric scooter is at fault in a collision and the rest is covered by the insurance company. Liquidated damages are the standard used in the industry and will depend on the coverage policy you have. These damages occur if an insured loses his or her electric scooter and there is a claim made for damages, the amount paid will depend on the policy you have and not what the claim or a demand letter asks for. Depending on your electric scooter insurance policy, you may need to take a few other steps to be covered. Many scooter owners take extra steps to ensure they are covered in case there is a disaster. Some require that the renter wears a helmet and has a driving permit even if he or she does not have a license. Some require that the user of the electric scooter take a training course for electric scooters because it is a very difficult machine to handle and they need more training than regular scooter drivers. Boat Insurance A lot of boat insurance policies do not cover electric boats. You need to call your insurance agent to determine the extent of coverage that is available for electric boats or electric watercraft. If the person does not have an insurance policy and they own an electric boat or electric watercraft, they could be liable for damages caused by an accident or a theft of the boat. Some insurance companies offer coverage in this regard, but the liability coverage will not cover theft. It is always a good idea to compare different insurance companies and their policies for the same reason. This will help you identify which policies will be best for you and make sure you have a boat insurance that meets your needs and requirements. Rental Policies In some cases, renting an electric boat is not as easy as renting a personal boat. Electric boats should be covered by a separate policy