Scooter Riders Advised to Avoid Insurance Pothole

By | June 28, 2019

  • June 28, 2019 at 12:40 pm
    JMC says:
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    I wonder how many claims are filed by people that trip over the scooters and get injured because the riders are able to just leave the scooters wherever they want as opposed to designated racks.

  • June 28, 2019 at 1:33 pm
    Mark Ambrose says:
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    Umbrella policies in my experience only cover what is covered on the underlying policy. I haven’t seen a policy that covers more than what is covered on the underlying when at the same company. This author talks about the recreational vehicles part, yeah that’s if recreational vehicles are insured.

    • June 28, 2019 at 2:00 pm
      Agent says:
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      Not true. An excess liability policy will only cover what is on the underlying contract. A True Umbrella policy will drop down with a Self Insured Retention and cover your liability for items that do not have an underlying policy because one is not available. Examples, renting a car abroad – not covered under your auto policy, but the umbrella will provide the liability without underlying coverage required. Renting a boat or a jet ski for the day is covered by the umbrella policy. So renting a scooter should be as well. Problem is most of the people renting these scooters are college kids with no umbrella policies.

    • June 28, 2019 at 2:11 pm
      ReUW says:
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      Actually, a ‘traditional’ umbrella policy will drop-down and cover some stuff not covered by the underlying. An excess is follow form like you’re thinking. These days, the terms are used interchangeably and to tell what the product actually is, you have to look at the form.

  • July 1, 2019 at 11:07 am
    Bill Vogel says:
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    A disaster in the making

  • July 1, 2019 at 2:36 pm
    SacFlood says:
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    Umbrella aside, Liability follows the owner. The owner of the scooter’s Liability Policy would be primary, or would pay first. A driver’s (or rider’s) Liability would be excess, or would pay second, only if the primary Policy is exhausted (used up / paid out). Basic Liability 101. A waiver won’t stand up in Court, in most states. One would need to show one’s own Liability coverage in order to rent or ride one of these scooters, and not sign a Liability waiver. Not a viable business model. Courts will rule against these companies, and for the drivers/riders.

  • January 24, 2020 at 1:26 pm
    Xailu says:
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    It poses the exact same risk as riding a bicycle or skateboard. People need to calm down.

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