Most scooter rental agreements make it so that you assume all the liability. You probably don’t have coverage though your home or auto insurance if you run over something or someone. Home insurance doesn’t cover damage caused by motorized vehicles, and your auto policy is unlikely to cover an electric scooter.

Your health insurance will probably cover your injuries however it may not cover injuries to anyone in your path. If you let someone else ride the scooter you rented, there could be complications. Also be aware that most scooter agreements don’t allow minors to ride.

Probably not. Insurance companies may start to offer coverage for scooters. Some cities are talking about requiring scooter rental companies to provide coverage to users.

Check with your insurance agent to see what is covered and what isn’t when you are unsure. Make sure to read the scooter rental agreement carefully.

Stay safe out there.