Do I Need Insurance for a Mobility Scooter?

Mobility scooters are a fantastic creation, giving those with reduced mobility the capability to stay active and maintain their freedom. As simple as it is to incorporate the correct mobility scooter into your life, it’s also essential to make some wise decisions while you’re doing it.

After you’ve decided to make the purchase, something worth considering is insurance. Do I need insurance? And if yes, how come? What is the insurance going to cover? Should any of these questions be of concern, keep reading. In this post, it is going to answer them all. But prior to getting into all these details, this post is going to answer the most asked question concerning insurance:

Is Mobility Scooter Insurance Required?

In short, no, but it’s a little bit more complicated than that. If you’re taking on credit, purchasing insurance could be a requirement by your credit supplier. Many health insurance companies, particularly if they are going to cover the purchase, may also suggest purchasing insurance for your mobility scooter. In such situations, although it is not required by law, insurance becomes an essential part of the purchase.

Without regard to how you buy your mobility scooter, it’s usually a wise choice to think about investing in insurance. Let’s dive into the two primary types of insurance for mobility scooters, the advantages you should keep an eye out for, and aspects worth considering should you ever have to file a claim:

Types Of Insurance for Mobility Devices:

Liability insurance: Whereas a mobility scooter is not going to need a comprehensive liability insurance policy like a vehicle, it’s worth examining whether liability insurance is right for your requirements and use case. A considerable aspect to be taken into account is the location of use. If you are planning on using your mobility scooter only inside your house, the homeowner’s liability insurance could cover any accidental damage or injuries.

Nevertheless, if you are planning to use the mobility scooter inside and outside like a lot of people, liability insurance could be the appropriate choice for you. Life is uncertain and accidents do happen. Picture backing up your scooter and hitting someone’s car on accident or erroneously rolling over someone’s foot on a busy pathway. These circumstances can happen at any time and if the other party attempts to sue you for damages, your liability insurance is going to help you with that.

Accidental damage insurance: These scooters are costly, and repairs can oftentimes lead to stress for budgeting gurus. Accidental damage insurance is going to assist you with that. Whereas a lot of scooters come with a replacing warranty for most components such as the transaxle, a scooter can endure accidental damage in several ways. The repair too might take several days to complete. This type of insurance makes sure that you don’t have to put your vibrant living on pause as your mobility scooter is getting repaired.

What Insurance Benefits Should I Look For?

This type of insurance could comprise an assortment of benefits, comprising:

Accidental damage repairs: Mobility scooters are costly, and accidental repairs might cost you up to 100 to 200 dollars at a time. Accidental damage insurance could include the repair option; however, it might come with a ceiling to the degree of the repair cost. You need to be knowledgably with the ceiling of your coverage to avoid any unwelcome surprises.

Lost keys: One of the benefits that you may want to think about negotiating would be a key replacement coverage. There’s nothing more distressing than losing the keys to your mobility aid.

Temporary equipment: Whereas it’s essential to have the damage repairs covered, it could take from time to time several days to get it repaired. Would you be okay with placing your active lifestyle on hold? If you’re not, inquire about your insurance provider whether your plan comprises temporary equipment in cases of repairs.

Round-the-clock service: What if your mobility scooter breaks down in the middle of nowhere on a Sunday night? Is there someone available to call for help? Does your insurance cover round-the-clock roadside assistance? These are just some of the questions you should think about asking your insurance provider. You might come up with some on your own.

Other Things to Consider:

Coverage ceiling: A lot of insurance policies are going to come with a ceiling on the amount of coverage they provide, particularly in cases of liability insurance. It is suggested you go one level up from what you think is appropriate. In this way, you’ll be content knowing that your insurance provider is going to take care of significant damage, repair, or liability matters for your mobility scooter.

Be familiar with your equipment: When talking with your insurance provider, you are going to need to have details such as the mobility scooter make, model, date of purchase date, and who you purchased it from. Think about keeping these details readily accessible to speed up the claim process in the case of an accident, theft or damage.

Keep in touch with your insurance provider: A lot of scooter users add accessories and customize their scooter for complementing their style. These additions could sometimes cost 100’s of dollars. If you carry out these customizations after you buy the scooter, it is recommended to speak with your insurance provider. Tell them about the increased value of your mobility scooter. In case your mobility scooter gets stolen, your insurance provider might only offer a replacement or compensation on the scooter’s value, in which they have on file.

Mobility Center In Mesa, Arizona

Mobility Center has been proudly serving the entire Phoenix, Arizona area since 1975 with the finest in mobility aids, scooters, wheelchairs, lifts and support equipment. Visit our convenient location to see the products and receive the individual attention that you deserve. Our service area includes Mesa, Apache Junction, Tempe, Chandler, Scottsdale, Phoenix, Glendale, Surprise, and Sun City.[/vc_column_text][/vc_column][/vc_row]