Are Mobility Scooters Covered by Insurance? How Much is it?
- 20 Jul, 2021
Are Mobility Scooters Covered by Insurance? How Much is it?
A mobility scooter is an innovative solution to immobility. They make life easier, and allow an active lifestyle for individuals who may have not have had the freedom to do so. It's a valuable purchase and, for that reason, should be treated as such. The decision to buy your scooter may have prompted other questions. Questions like: Is there a need to have Scooter insurance? If so, what kind? What should the Insurance for your Mobility Scooter cover? How much is scooter insurance? You have questions about Insurance for Scooters, and we have the answers provided below.
Can you Get a Mobility Scooter Covered by Insurance?
The short answer is yes, you can get your Mobility Scooter Covered by insurance. The complete answer to this question is a little more complicated. Your mobility scooter is a major investment in your life. With such an important investment, it is crucial to ensure you are protected, should something go wrong. For this reason alone, it is understandable why Scooter Insurance coverage would be a probable topic of discussion.
Keep in mind that insuring your Mobility Scooter can be a lengthy process. From start to finish, it could take a few months. But it is worth it. A few details you want to have on hand when starting the process would be the make, model, and purchase date of your mobility scooter. You may also need the seller's contact information and business address. If you have made any specific upgrades to your mobility scooter, this information will be important as well. Contact Scooters ‘N Chairs if you have any questions about insuring your mobility scooter!
Do not dismiss the act of shopping around when purchasing insurance. Comparing insurance providers will be instrumental in finding the best rate and coverage for your equipment. As you would speak with an agent about your needs for automobile coverage, you will need to do the same for your mobility scooter. The plus side of this is that mobility scooter insurance is not nearly as comprehensive as automobile insurance.
There is the possibility that your automobile insurance provider could help you. Some providers are keen on bundling products. Saving through bundling may be possible for your mobility scooter cover. If you do not have automobile coverage, that's quite alright as well. If you purchased your mobility scooter via a line of credit, they could have a preferred insurer. Speak with the lender or creditor to inquire. They may have a chosen insurer, and that could consist of a special rate of some sort.
Questions to Keep in Mind When Shopping for Mobility Scooter Cover:
- Does the mobility scooter insurance cover parts replacements? E.g misplacing your scooter key. How much is scooter insurance including parts cover? A misplaced key is very common and, in some cases, can be pricey to replace. It is better to be prepared than to be surprised by the requirements associated with unpreparedness.
- If my scooter is broken and requires repair, will it be possible to accommodate a loan scooter during that time? Your mobility scooter is an extension of your transportation, making it very difficult to maneuver without it. Speak with the insurance agent and ensure that you are covered during a time like such.
- Is there an insurance cap? Whether or not there is a cap on the mobility scooter coverage amount is a critical but possibly overlooked question. Insurance policies may cover the scooter in its purchased form. But, will the policy cover the increased value associated with any add ons or upgrades? Disclose any upgrades upfront, as well, keep in contact if you add more upgrades.
- Does my coverage include 24/7 recovery and emergency responses? Accidents are not privy to business hours. Considering, when speaking with your insurance agent, be sure to gain clarity on emergency response options. A breakdown or other mishap with your scooter outside of typical business hours could lead to inconveniences.
Are Online Mobility Scooters Covered by Insurance?
Mobility scooters sold online, unfortunately, are not covered by insurance. However, online retailers are possibly the best stop for attractive prices. They tend to have better selections of electric wheelchairs and mobility scooters on the market. Do your research before buying. If you understand your needs, you will be able to determine the best mobility scooter for your situation.
Despite not including insurance cover in the online retail price. You can often find an insurance provider willing to cover a Mobility Scooter purchased online. Understanding your needs when it comes to scooter insurance is the first place to start. Our Scooters 'N Chairs mobility scooter experts are available 24/7 to answer any lingering questions about scooter insurance.
Is Insurance for a Scooter Necessary?
Depending on the type of purchase you make, finance or cash, insurance for your mobility scooter may not be required. But necessity is another topic. Insurance for scooter-related mishaps is highly necessary. It is important to understand the most risks associated with driving a mobility scooter. Even the most responsible scooter operator can have an accident happen to them. This is why insurance is so crucial for mobility scooters. Even just to provide the operator with peace of mind in the off chance an accident happens.
Theft and property damage can pose a threat to your mobility, and you want to guarantee you are protected in these instances. While insurance coverage for scooters is excellent at protecting you from things outside of your control like theft or damage from another vehicle. It is also essential that you are protected when you are at fault.
Scooter Insurance will cover accidents involving others. What if you were driving on a sidewalk and misjudged the amount of space between yourself and a passerby. Wheeling too close to a passerby could result in a broken toe or foot, and the scooter driver responsible would have to foot the medical bill. Mobility Scooter insurance not only covers the vehicle if it were to be stolen or damaged. But, it also offers you protection for physical damage to another person, building, or vehicle.
Types of Mobility Scooter Cover offered by Insurers
We touched briefly on why mobility scooter insurance coverage is necessary for untimely scooter-related accidents, but what does that look like in terms of types of Scooter Insurance? Depending on factors like where you plan on using a scooter, the amount of cover you require, and whether you want liability coverage, the type of insurance you need will vary.
Liability Insurance Coverage
Liability insurance for your scooter will cover any situations associated with your mobility scooter that you could be held liable for. Now, while liability insurance may seem self-explanatory, let's dig a little further. The location used could be the most significant factor in determining just how much liability insurance may be best for you. Will you only use it to maneuver around your home? If so, contact your homeowner's insurance holder to learn if and how your mobility scooter insurance could fall under the preexisting policy.
If your scooter is for outdoor use like most, then liability insurance may be the best choice. How comforting would it be to know that an accidental collision of some sort in a public parking or walkway space is covered, and everything is taken care of in the end?
Accidental Property Damage and Theft Protection
Mobility scooters can be a major financial investment. It is important to keep that in mind when discussing scooter insurance coverage. While a mobility scooter cover can protect you from miscellaneous scratches and light bumps when stored, more extensive damages could pose a problem. More extensive repairs and parts replacements will need to be a part of your insurance coverage to avoid any possible financial binds in the future.
In the event that, your scooter is stolen, your insurance policy must cover the total replacement cost to ensure that you are not inundated with the burdens of being without your scooter.
How Much is Scooter Insurance?How much your scooter insurance costs will come down to a couple of things—the primary location of usage. Where you use your scooter most will play a significant role in the price of your insurance. If your mobility scooter is exclusive to indoor use, it may be able to be included under your homeowner's insurance for no additional cost. However, you must clarify the extent of coverage in terms of theft protection and replacement.
If your scooter is for maneuvering outdoors, and insurance is required to be liability insurance, the cost could vary:
The average cost for mobility scooter cover is around $50 per month.
Have you been weighing your Scooter Insurance options and want some expert advice? Reach out to our team at Scooters N' Chairs. Our mobility experts will carefully guide you through your options and answer any questions you may have about Mobility Scooter Insurance.