An article where you can learn all the information about fines, the coverage of these insurances and how to contract one if you are considering it.
The electric scooter has become a common means of transport to move around cities or from home to work. It is the ideal option for short distances, where you do not have to look for parking and it is much more sustainable than a car or even public transport. As there are already many users who use this means of transport, there has been no choice but to regularize their circulation, because they are still motorized vehicles. We tell you what happens if you drive a electric scooter without insurance.
Many people consider it a simple toy, but they are vehicles that reach enough speed to cause a serious accident. Keep in mind that these scooters circulate mostly on bike lanes and near pedestrians, so there can easily be a run over or a fortuitous crash, either with a person or with a car. Not only to protect the safety of you or the other person, but also the possible damage to your scooter.
Can I be fined for not having insurance?
It is the first question that arises when considering the idea of insurance, since many people do not know if they can be fined for driving without having insurance, especially if you have an accident. Initially, no need to take out insurance to drive an electric scooter on urban roads, so the authorities cannot fine you or ask you for insurance documentation. The simple fact that they do not have to be registered makes it unnecessary to be insured. After all, they are not mopeds that travel at more than 25 km/h, so they do not have that obligation.
Another thing is the moral aspect and the personal decision of the user, because it would be something totally recommended to avoid problems in accidents or bumps with the scooter. And it is that in some cities they are asked to have insurance to circulate on the streets, although it is not mandatory at the national level nor is it a norm within the legislation.
What does electric scooter insurance cover?
Once you decide to take out scooter insurance, either to avoid serious problems or because it is your means of transportation to go to class or work, it remains to be seen what the policy covers. Everything will depend on whether you or the other person involved is at fault in the accident, but it is about covering the most basic damages in this type of situation and not having to face material or personal damage with your own assets.
In case that be responsible for the crash with a car or a run over, you will have to take care of the total compensation in the case of not having insurance, since the person can request it through their insurer. According to him article 1902 of the Civil Code, when damage is caused by negligence, you must respond with all your assets, present and future. They can even garnish your wages if the insurer requests it. If you are a minor, it will be your parents who respond to said sanction.
In the event that the fault is the driver of the vehicle or the electric scooter, you must always request the local police presence to make a statement and identify the opposing party. In this case, it will be opposite party insurance the one that should compensate you for any damage caused to your electric scooter or to your person. You can too hire a lawyer to file a civil lawsuit against the person responsible to cover the damages.
A curious case is hit a person without your fault. Although the person responsible for the accident is the pedestrian due to irresponsibility, either by crossing the road outside the pedestrian crossing or by improperly leaving the sidewalk, the responsibility will always be shared. In the event that you have insurance, the company has to pay compensation to the pedestrian, although you can reduce up to 75% if the pedestrian himself is the cause of the accident.
How to insure a scooter
You have already informed yourself of everything that the insurance covers in the different cases. If you have an electric scooter and it is not insured, there are several ways to hire it so that you do not have any problem driving it around the city. There are many insurance companies that already have specific policies for these vehicles, but there are other methods that include insurance to cover the scooter, without the need to hire a separate one. Of course, there are some requirements to meet, since as the policyholder you must be at least 18 years old, or that an adult is in charge of said insurance. In addition to that, the electric scooter must not exceed the 50kg weightthe 400 W of power or the 30km/h speed.
If you intend to take out individual insurance for the scooter, the price is quite cheap. Whether by AXA, Case, Helvetia, Zurich, RACC or any insurance company, the price of the policy usually from 20 euros per year, a fairly cheap amount for any user, although there are packages that cover more damage. Essentially, what basic insurance covers is a figure of €150,000 civil liability and legal protection, which includes coverage for damages caused and the assignment of a lawyer with no cost limits.
However, there are many home insurance policies whose coverage content includes a multi-risk policy to insure this vehicle. Most of these insurances for electric scooters offer a liability coverage to the insured and the rest of the cohabitants that are applicable in scooter or bicycle accidents, for example.
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Related topics: Urban mobility