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Scooter and moped accidents: The risk of not having insurance

Scooter and moped injuries, much like motorcycle injuries, can be substantial. People who ride these vehicles have little protection against other cars and trucks. The difference for scooters and mopeds tends to be that they're only used on residential roads and at slower speeds, but even at 30 or 40 mph, the risk of a serious injury is high.

Driving a scooter or moped comes with its benefits. For instance, did you know they tend to get around 50 to 70 mpg? That's great when gas prices are high. Still, the risk of a serious collision sometimes makes you wonder if it's worth the savings.

One thing to remember about scooters and mopeds is that many states don't require you to carry insurance. As a result, you'll have very little protection if the driver who hits you doesn't carry insurance either. It's always a good idea to have at least scooter liability insurance, which would make sure you had some coverage in the event of a crash. You'll want to call your insurance company as soon as possible following a crash, so you can make a claim right away.

As with any crash, the authorities will need to assess fault. You have a right to disagree with the assessment. You should consider filing a lawsuit in any case where you're injured as a result of another party's negligence or mistakes, even if you could be partially to blame. Your attorney can help protect you and deal with your case while you focus on your health while you recover from the accident.

Source: FindLaw, "Scooter or Moped Accident: When to Sue for Injuries," Molly Zilli, Esq., accessed May 25, 2018

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