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Post by tvnacman on Apr 7, 2015 4:38:52 GMT -5
Here in pa we have to have insurance . mine is $75 a year. What does insurance cover on a scooter? Why would someone on a scooter get insurance? Collision insurance? I have fire theft collision and vandalism on my Vespa. John |
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Post by lain on Apr 7, 2015 5:32:26 GMT -5
What does insurance cover on a scooter? Why would someone on a scooter get insurance? Collision insurance? I have fire theft collision and vandalism on my Vespa. John How much does THAT cost? I'm interested in how insurance works with scooters. If someone steals your scooter insurance buys you a new one, or just pays for parts of a new one? What about vandalism, do they replace the parts, and do they get the parts or do you have a choice in supplier? |
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Post by geh3333 on Apr 7, 2015 7:23:06 GMT -5
We legally have to have insurance , just like a car. You can choose the coverage just like a car. You can get full coverage which will cover your scoot and other vehicles or structures if you would happen to wreck . or you can get something like liability , which will only cover other vehicles or structures , but will not cover your scoot .
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Post by geh3333 on Apr 7, 2015 7:28:39 GMT -5
I have fire theft collision and vandalism on my Vespa. John How much does THAT cost? I'm interested in how insurance works with scooters. If someone steals your scooter insurance buys you a new one, or just pays for parts of a new one? What about vandalism, do they replace the parts, and do they get the parts or do you have a choice in supplier? I would imagine you would have to find a shop for an estimate of the damage . most insurance companies send a check with the name of the shop and your name , so you both have to sign it in order to cash it. I would expect the insurance company to buy you a new scoot if stolen , as long as theft is covered in the policy. Don't you have insurance and on your scoot ? |
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Post by lain on Apr 7, 2015 8:59:46 GMT -5
How much does THAT cost? I'm interested in how insurance works with scooters. If someone steals your scooter insurance buys you a new one, or just pays for parts of a new one? What about vandalism, do they replace the parts, and do they get the parts or do you have a choice in supplier? I would imagine you would have to find a shop for an estimate of the damage . most insurance companies send a check with the name of the shop and your name , so you both have to sign it in order to cash it. I would expect the insurance company to buy you a new scoot if stolen , as long as theft is covered in the policy. Don't you have insurance and on your scoot ? No, it's not required here, and I haven't really looked into it due to lack of funds, if I can't pay for gas most of the time I doubt I'll have enough for insurance until I get a new job haha |
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Post by scooter on Apr 7, 2015 15:29:05 GMT -5
Ok ordered the extra belt.. Wait... You have insurance? Aren't those expensive? I was thinking to get just roadside assistance instead. It's about 1,000 per year. 80% is insurance on myself in case of injury, the rest is on the bike for collision, fire, theft, vandalism, etc. We pay liability here so if you don't cover yourself, and you are hit and the person runs or does not have insurance, or you just crash like into a tree, then you are responsible for your own medical bills. That's why I carry coverage both on the bike and myself. If it's totaled then they'll pay you for the value of the scooter. |
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Post by geh3333 on Apr 7, 2015 18:32:52 GMT -5
I would imagine you would have to find a shop for an estimate of the damage . most insurance companies send a check with the name of the shop and your name , so you both have to sign it in order to cash it. I would expect the insurance company to buy you a new scoot if stolen , as long as theft is covered in the policy. Don't you have insurance and on your scoot ? No, it's not required here, and I haven't really looked into it due to lack of funds, if I can't pay for gas most of the time I doubt I'll have enough for insurance until I get a new job haha What ! , are you serious ? I thought insurance was legally necessary for an on road registered vehicle in the whole US. What happens if you cross state line ? |
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Post by geh3333 on Apr 7, 2015 18:49:45 GMT -5
Hey lain , is your scoot registered as a moped or a motorcycle ?
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Post by tvnacman on Apr 7, 2015 19:05:21 GMT -5
my guess Lain is on a 50cc.
I have 3 scooters on my policy 2 chinese with minimum and the vespa with full coverage 3 or 4 hundred a year.
John
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Post by jerseyboy on Apr 7, 2015 20:11:55 GMT -5
I pay about $80 a year for liability on mine.
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Post by lain on Apr 7, 2015 20:40:44 GMT -5
Hey lain , is your scoot registered as a moped or a motorcycle ? The DMV told me to register my scoot as a moped. When I asked if I needed a motorcycle endorsement or insurance they said they aren't required for scooters, but a good idea. |
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Post by ccarmac1 on Apr 7, 2015 22:36:19 GMT -5
yeah, here in Florida ANY motorcycle does not require insurance.
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Post by geh3333 on Apr 7, 2015 23:12:40 GMT -5
Hey lain , is your scoot registered as a moped or a motorcycle ? The DMV told me to register my scoot as a moped. When I asked if I needed a motorcycle endorsement or insurance they said they aren't required for scooters, but a good idea. I looked up MA's DMV. and if registered as a moped your OK but if registered as a scooter , then it would fall under any motorcycle rules and laws. If the scoot is 50cc and under it can be registered as a moped even though it is not a moped, lol. |
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Post by jerseyboy on Apr 8, 2015 8:00:38 GMT -5
Hey lain , is your scoot registered as a moped or a motorcycle ? The DMV told me to register my scoot as a moped. When I asked if I needed a motorcycle endorsement or insurance they said they aren't required for scooters, but a good idea. The DMV told me to register my scooter as a moped also,,she handed me a moped plate then I told her it was a 150cc so she took the plate back and gave me a cycle tag for $65...I should have kept my mouth shut but did not want the hassle down the road,,especially when i roll a cop at 60MPH,,how do you explain that one...lol |
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Post by lain on Apr 8, 2015 10:30:02 GMT -5
The DMV told me to register my scoot as a moped. When I asked if I needed a motorcycle endorsement or insurance they said they aren't required for scooters, but a good idea. The DMV told me to register my scooter as a moped also,,she handed me a moped plate then I told her it was a 150cc so she took the plate back and gave me a cycle tag for $65...I should have kept my mouth shut but did not want the hassle down the road,,especially when i roll a cop at 60MPH,,how do you explain that one...lol You don't, you act just as surprised as the cop you didn't spot before you passed them lol "I'm sorry officer, my speedo doesn't work and my transmission is acting a funny guy." Turn a ticket into a warning, but cops don't bother around here, even with my underbody lights which are illegal here. I park it right in front of a police station down the street from my house when I don't have my chain and I'm going to the store, have even talked to a couple and they say they just don't have the time for such trivial things. They told me as long as I don't create distractions for other drivers and accidents to just stay out of trouble haha. |
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