Can Homeowner’s Insurance Cover Scooter Injuries?

 If the careless scooter rider happens to own a home covered by homeowner’s insurance, that policy may be a source of money to pay for the damages suffered by the injured victim.

Depending on the language used in the insurance contract, homeowner’s insurance can provide protection to both the scooter rider and the rider’s victim. For example, a typical homeowner’s policy generally provides coverage for injury claims made against the homeowner for bodily injury caused by an accident. A common exclusion provides that there is no homeowner’s liability coverage for any motor vehicle liability if at the time of the accident, the involved motor vehicle “is registered for use on public roads or property”  or is not registered when registration is required by law.

Since electric scooters are not required to be registered, the homeowner’s insurance in this example would provide both liability and medical payments to the injured victim. Again, it all depends on the specific language of the insurance contract, and it can get complicated. Moreover, it’s only helpful if the negligent electric scooter rider has homeowner’s insurance, and many riders do not.

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