Car Insurance

Scooter Sharing and Insurance

Scooter sharing is a popular mode of transportation in urban areas. It provides a convenient and affordable way for people to get around town. However, scooter sharing comes with its own unique set of risks, which means insurance is crucial. In this article, we’ll explore the different aspects of scooter sharing and insurance.

What is Scooter Sharing?

Scooter sharing is a service that allows users to rent scooters for short-term use. Users can locate and unlock the scooters using a mobile app, and then ride them to their destination. The scooters are usually electric and have a top speed of around 15-20 mph.

Insurance Requirements for Scooter Sharing

Insurance requirements for scooter sharing vary by state and city. In most cases, the scooter sharing company provides liability insurance to cover accidents and injuries that occur while using the scooter. However, this insurance may not cover all damages, and the user may be responsible for some of the costs.

Personal Insurance for Scooter Sharing

Personal insurance may also come into play when using a scooter sharing service. If the user causes an accident or damages someone else’s property while riding the scooter, their personal insurance may be used to cover the damages. However, not all personal insurance policies cover scooter sharing, so it’s important to check with your insurance provider.

Additional Coverage for Scooter Sharing

Some scooter sharing companies offer additional coverage options, such as collision and comprehensive coverage, to users for an extra fee. These options may provide additional protection in case of damage to the scooter or theft.

Risks of Scooter Sharing Without Insurance

Using a scooter sharing service without proper insurance coverage can be risky. If an accident occurs, the user may be responsible for all damages and injuries, which can be costly. Additionally, the lack of insurance coverage may make it difficult to get compensation for any injuries sustained in an accident.


Are shared scooters profitable?

It depends on various factors such as the number of riders, operating costs, and the price of the service. Some scooter-sharing companies have reported profitability, while others have struggled to make a profit.

What is scooter-sharing?

Scooter-sharing is a service that allows users to rent electric scooters for short-term use. Users can locate and unlock the scooters using a mobile app, and then ride them to their destination. The service is often offered in urban areas and is a popular alternative to walking, biking, or driving.

Can a scooter two people?

It depends on the specific scooter model. Some electric scooters are designed to accommodate two people, while others are only meant for one rider. It’s important to check the manufacturer’s guidelines before attempting to ride with a passenger. Additionally, some scooter-sharing services may have rules against riding with a passenger.


Scooter sharing is a popular and convenient mode of transportation, but it comes with its own set of risks. Insurance is crucial for protecting users in case of accidents and injuries. Users should be aware of the insurance requirements of their scooter sharing service and consider additional coverage options to ensure they are properly protected.

Also Read: Compare Car Insurance Quotes

Zoey Annette

Zoey Annette is the editor of Allstate Insurance. She's an Allstate insurance agent and a writer. Zoey loves spending time with her family, reading, and traveling.

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