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Post by scootercy on Sept 29, 2020 18:43:40 GMT -5
Hey all, Here in NC liability insurance is required, before I call my insurance agent and get totally laughed at, has anyone had their scooter AND gear insured against loss? As the numbers start to add up in my head, laying this sucker down is GOING to happen someday, and personally I dont have an extra $400 to $600 for replacement gear. Thoughts?
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Post by pinkscoot on Sept 30, 2020 10:17:52 GMT -5
I'm in NC and they laughed when wanted insurance for loss on my Chinese 50cc scooter but I have it on my larger Italian scooters.
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Post by 90GTVert on Oct 1, 2020 18:59:44 GMT -5
I've never even thought about insuring gear. I would probably check with the insurance co and see how it goes with value vs cost to add that sort of thing. Maybe compare to deductible differences to see if it makes more sense to try to get them to insure gear or just to lower your deductible. It may be standard practice that I'm just not aware of, but based on any other dealings with my ins agency, I'd figure it would be more trouble and expense than it's worth to do anything not considered standard.
I don't have ultra-expensive gear, but I have ruined a good bit of stuff in crashes. Maybe my way of looking at it is dumb, but when I got knocked out and realized that most likely I would have died if not for my full face helmet... replacing it for $200 didn't seem all that bad. I tend to be so thankful for gear that saves my life, skin, bones, etc... that, while it does still suck, I just deal with it. I like to hope it won't be such a regular thing and over years is not a big deal. We have to replace gear over time anyway.
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df41590
Scoot Enthusiast
Posts: 285
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Post by df41590 on Oct 1, 2020 19:32:36 GMT -5
Just checked my insurance(Progressive). They'll only cover safety gear if I have comprehensive/collision insurance also, but $500 of safety gear is automatically covered if I have that coverage. I wouldn't think it would be worth it unless I had one of the Leather Racing suits and planned on beefing it once a year.
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Post by milly on Oct 1, 2020 21:40:00 GMT -5
Just out of curiosity does vehicle insurance in the States cover your medical bills as well if crash or is that a different entity altogether.
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df41590
Scoot Enthusiast
Posts: 285
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Post by df41590 on Oct 1, 2020 22:01:39 GMT -5
Just out of curiosity does vehicle insurance in the States cover your medical bills as well if crash or is that a different entity altogether. I have bare minimum for Wisconsin each state is different though. It covers 500,000 if somebody sues you, medical 10,000 per person, 250/week disability, 25,000 death insurance
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Post by lilpinny on Oct 1, 2020 22:28:01 GMT -5
Just out of curiosity does vehicle insurance in the States cover your medical bills as well if crash or is that a different entity altogether. The bare minimum usually just covers if you hit someone and they sue you, like what was already posted. That doesn’t cover your injuries, however. This can be cheap since a small scooter can’t really do much damage. If the accident is the other persons fault then your insurance sues the other person or their insurance. You’ll be covered for your injuries. I have uninsured driver insurance so if I get hit and someone doesn’t have insurance, money to pay my bills or the driver takes off, I’m still covered. For my scooters I also have full coverage, which will pay to fix or replace my scoot. I had a lith-ion battery overcharge when my rev/rec blew and the battery burst into flames while I was going 55mph. My insurance covered replacing all the fancy parts on my Ruck and even gave me an hourly rate for labor since I’d fix it myself. I’m a big fan of full coverage.
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Post by Steve B on Oct 2, 2020 10:37:53 GMT -5
State Motorcycle Insurance - Moped & Scooter Insurance Alabama yes - yes Alaska yes -yes Arizona yes -yes Arkansas yes -no California yes -yes Colorado yes -yes Connecticut yes -no Delaware yes -no Florida no -no Georgia yes -no Hawaii yes -no Idaho yes -no Illinois yes -yes Indiana yes -no Iowa yes -yes Kansas yes -no Kentucky yes -no Louisiana yes -yes Maine yes -yes Maryland yes -yes Massachusetts yes no Michigan yes -no Minnesota yes -yes Mississippi yes -yes Missouri yes -no Montana no -no Nebraska yes -no Nevada yes -no New Hampshire no -no New Jersey yes -yes New Mexico yes -no New York yes -yes North Carolina yes -no Ohio yes -no Oklahoma yes -yes Oregon yes -yes Pennsylvania yes -yes Rhode Island yes -yes South Carolina yes -no South Dakota yes -yes Tennessee yes -no Texas yes -yes Utah yes -yes Vermont yes -yes Virginia yes -no Washington no -no Washington, D.C. yes -yes West Virginia yes -yes Wisconsin yes -yes Wyoming yes -no Note that there’s initially no legal requirement to have motorcycle insurance for any two-wheeled vehicle in Florida, Montana, Washington and New Hampshire; New Hampshire doesn’t require you to have car insurance at all. It may be necessary to purchase insurance and file an SR-22 in these states if you have an accident or a conviction for driving under the influence of alcohol or drugs.
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Post by Steve B on Oct 2, 2020 10:38:21 GMT -5
If you drive safely and stop at stop signs , pay attention to you're surroundings and do a reasonable speed "weather permitting" 99.9% of the time you will be ok. Now if someone else hits you due to their own negligence they should be held personally responsible for you're medical bills and bike, granted they have insurance and are a half decent human being with any sense of morality.
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Post by geoffh on Oct 2, 2020 15:10:12 GMT -5
I drive for a truck for my living and see lots of stuff on urban roads that are just accidents in the making,here's just two scooter related,a scooter indicator left on (please fit a buzzer)and scooters tailgating a car so they are in a blind spot (two car lengths minimum) just my rant.
Geoff
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Post by scootercy on Oct 2, 2020 18:20:40 GMT -5
Okay so Insurance agent said in NC she would have to write the policy as a Motorcycle but it can be done. Insurance in NC DOES NOT ALLOW for safety gear. I could take a rider on my home owners insurance (like we do the wifes ever growing Wedding set), but it would be totally different.
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Post by collinsd84 on Oct 3, 2020 9:40:22 GMT -5
As mentioned earlier a higher deductible will save you on premiums. My impression is "Moped" insurance is a boiler plate to protect you from being sued for damage.
My policy is $68 a year with National General(Intagon). My agent told me they are not covered for theft. Mine is not a comprehensive policy. Figure I've saved several times over for a total loss.
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Post by lilpinny on Oct 4, 2020 16:27:35 GMT -5
Download the Geico app and plug your deets in there and see what the app tells you it is. That's who I use for my scoots. Never talked to a human, did it all through the app.
Maybe it was SC, not NC, that I was thinking about. One of those states, I thought, you didn't need anything to ride a scooter, not even a license. That way someone that has lost their license due to a DUI can still ride one. Could be another state... dunno.
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Post by scootercy on Oct 5, 2020 0:15:26 GMT -5
Maybe it was SC, not NC, that I was thinking about. One of those states, I thought, you didn't need anything to ride a scooter, not even a license. That way someone that has lost their license due to a DUI can still ride one. Could be another state... dunno. In NC you do not need a license if it is UNDER 50cc, over need a DL and a MC cert
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Post by Steve B on Oct 5, 2020 10:56:38 GMT -5
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