American Property Casualty Insurance Association
  • Staff Contact: Eileen Gilligan     
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  • November 16, 2018
  • Electric Scooters Create Insurance Implications for Consumers
  • WASHINGTON — Electric scooters are becoming increasingly popular as an alternative mode of transportation. However, before renting a scooter, consumers should understand the insurance implications and know whether you are covered. Bob Passmore, assistant vice president of personal lines policy at the Property Casualty Insurers Association of America (PCI) offers the following guidance.

    “Scooters can be an easy and inexpensive mode of transportation. Even though scooters may only reach a top speed of 15 mph, serious injuries can occur. Scooter drivers could be hit by another vehicle, crash into another vehicle or road obstacle, or hit a pedestrian. It is important that consumers understand the rules of the road when it comes to scooters,” said Passmore.

    “Before renting a scooter, consumers should read the scooter companies user agreement carefully; you may be agreeing to assume liability for any damage or injury resulting from a crash. Consumers also should contact their insurer to understand the insurance implications and whether you are covered, should a crash occur. Standard auto, homeowners, and renters policies typically do not cover injuries or property damage arising out of the use of scooters,” continued Passmore.

    “Stay focused on the road at all times. Don’t take passengers and wear a helmet. Keep both hands on the scooter, unless you are using turn signals. Do not operate a scooter while using your phone or listening to music. Eliminating distractions while operating a scooter is just as important as while operating a car. And never ride a scooter, or any other vehicle, under the influence of drugs or alcohol,” concluded Passmore.

  • PCI promotes and protects the viability of a competitive private insurance market for the benefit of consumers and insurers. PCI is composed of nearly 1,000 member companies, representing the broadest cross section of insurers of any national trade association. PCI members write $220 billion in annual premium, 37 percent of the nation's property casualty insurance. Member companies write 44 percent of the U.S. automobile insurance market, 30 percent of the homeowners market, 35 percent of the commercial property and liability market and 37 percent of the private workers compensation market.
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