Scooter Insurance Policies You Must Purchase

E nsuring that you are equipped with the appropriate limits and coverage for your scooter policy can be rewarding in the event of an insurance claim. Whether you prefer a fashionable Vespa, a three-wheel Piaggio or the old-school mopeds, there is a scooter that matches your style and protecting your new asset with an auto insurance policy is imperative. In most cases, motorcycle insurance companies will also cover motor scooters because they both carry the same risks. Most of the state laws require that scooter riders carry a basic liability coverage. This is to cover bodily injury and property damage inflicted on others. When an accident occurs, the bodily injury coverage will help pay the victim's medical bills while the property damage coverage will cater for all the repair costs on other people's property. With the appropriate bike insurance coverage, you are rest assured of protection irrespective of what happens on open road. Here is a rundown of motor scooter insurance coverage options. Liability Insurance If you have ever been at fault in the event of an accident, liability coverage caters for the victim’s hospital bills and property repair costs so the expenses do not come from your pocket. When establishing the best liability coverage, it is advisable to get protection you will comfortably afford. Collision and Comprehensive Coverage Nobody wants to fix up their bike with money from their pockets after an accident. Fortunately, whether you ram into another vehicle, a lamp post or tree, this insurance coverage will step in to repair all the damage to your bike and get you rolling again. On the other hand, comprehensive insurance offers protection for incidences you cannot control, such as vandalism and theft. With scooters proving to be an efficient and more affordable mode of transport, shopping and purchasing motorbike insurance has become easier than ever. In addition, you will realize that scooter insurance is among the cheapest auto insurance policies you can find.   [Photo: scooterpictures.blogspot.com]