Who's Responsible For Injuries On Rental Scooters?

It's a question that doesn't have a clear answer yet

Brett Blume
November 13, 2018 - 12:35 pm

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You've probably seen your share of Lime and Bird scooters zipping down the streets of St. Louis, and you've probably asked yourself: "What's the liability situation if an injury occurs?"

Jason Hargraves is the managing editor of InsuranceQuotes.com. He says there are a lot of question marks hovering over this issue right now.

"So many states don't have laws for these type of scooters, and then cities don't have laws," Hargraves told KMOX's Brett Blume. "A few cities are implementing them, but they're often different from the state. So, it's kind of a hodgepodge."

He says most insurance carriers offer coverage for scooters under their motorcycle insurance policies that usually cover bodily injury and property damage liability. Premiums vary on coverage but average around $100 per year.

Hargraves also points out the company that's renting out the scooters are generally required to have some type of liability, so if you're hit by somebody riding a rental scooter you're going to have greater recourse to file for damages. The biggest contributors to injury accidents are riding without a helmet, having more than one passenger, and riding on the sidewalk.

Scooter use is growing exponentially around the country. For instance, Lime says it has signed up around 180,000 unique riders since it went online just this past April.