Find the best mobility scooter insurance for your needs.
Mobility scooter insurance is an important topic, and there are two ways to look at it. On the one hand, medical insurance may cover the costs of a unit under certain circumstances. You may also be curious how to insure a mobility scooter after buying.
This article will cover the best mobility scooter insurance tips, along with answering the question, “How much does it cost to insure a mobility scooter?”
Here’s everything you need to know.
Does a mobility scooter need insurance?
At the time of this article, there are no states that require a mobility scooter to carry insurance like an automobile, but you’ll want to check your DMV specifically for your state’s laws. This is because liability insurance is typically only required for vehicles with a 50cc engine or greater and/or a top speed above 30 mph.
Beyond liability coverage for bodily injury and property damage, you can obtain optional insurance for theft, vandalism, or physical damage to your mobility scooter. This is a great option if your scooter will be exposed to possible damage or stored in public areas. If the cost of replacing a new scooter out of pocket seems too high, you may want to explore carrying coverage for the replacement value of your new purchase. Be sure to ask your insurance agent about other coverages like loss of keys.
Although not mandatory, it is a good idea to insure your scooter just like you would a motor vehicle. Major mobility scooter insurance companies like Progressive offer special plans specifically for scooters, which makes them the best mobility scooter insurance.
How much does it cost to insure a mobility scooter?
That depends on the replacement value of the scooter, along with what types of coverage you want. Deductibles will also be a major factor in scooter cost.
Of course, insuring your scooter as a vehicle is not the only type of mobility scooter insurance coverage. We’ll dive further into these different types now.
How to Insure a Mobility Scooter
A mobility scooter is a major investment, and if it’s necessary for medical reasons, your health insurance may cover its cost.
Generally speaking, mobility scooters are only recommended by healthcare professionals if patients can't use a cane or walker. Medicare offers relatively few choices when it comes to scooters—very basic models with few options compared to our collections.
Your health insurance plan may cover more depending on your coverage. The best place to ask is your insurance company or agent, as they will know exactly what coverages are included in your plan.
Mobility Scooter Insurance and Warranty
Currently, My Own Wheels doesn't offer any forms of insurance coverage or payments on our products. We do, however, offer low monthly payments on all products sold through our website. This ensures you don’t break the bank trying to pay for this major purchase.
That said, all of our products do come with warranties from the manufacturers. These warranties provide basic coverage for normal wear and tear, but you may need more comprehensive coverage in the event of a breakdown. That’s why we also offer a 2-year in-home service coverage on anything we sell, so you have access to 24/7 service.
However, if you don’t obtain vehicle insurance, we recommend adding a scooter to your homeowner’s policy as a rider for theft or damage. By adding your scooter to your homeowner’s policy, you’ll be protected against any possible problems.
