Insuring Your 4 Wheel Mobility Scooter

The law is fortunately quite liberal for mobility scooter users. They are not required to get either a driver’s license or insurance protection. This is done with a view that most of these devices don’t go to the public road. However, those who opt for high-end models meant to be on highways generally insure their vehicles. They do this to protect themselves from liabilities.

Types of insurance for 4 wheel mobility scooter

Insurance for mobility scooters generally fall into two categories.

1. Standard policy

Following are the benefits a standard insurance coverage may offer.

• Expense for treatment if you get injured when riding
• Benefits for damages from accidents, thefts and fire and flood
• Replacement if your vehicle becomes unusable for any reason

2. Breakdown coverage

This comes to your assistance when your vehicle happens to break down while on a journey. Beware, some companies offer this benefit only within a certain distance away from your home. Read your policy carefully before signing up the contract.

Understand the limitations

In the US, acquiring insurance for a mobility scooter is unfortunately a bit difficult. You may be able to get the same from a reliable dealer. But, beware of the following restrictions.

1. Claim limit for breakdown coverage

Certain companies limit the number of claims you can file in a year under breakdown coverage. The scenario generally seen is 4; it may vary depending on the carrier you choose.

2. Exclusion of personal belongings

You may have to get third-party protection for the accessories you use for the scooter. Here too, the conditions may vary; discuss the same with your choice dealer. If you wish, you can even extend your homeowners policy to take care of the situation.

3. No unauthorized driver

Most of the insurance providers offering protection for mobility scooters make sure that you are the only one using the same. Negligence here may deprive you of the benefits you deserve. The carrier may even bar you from buying other types of coverage it may offer.

Tips to remember

Remember the points given below when trying to insure your mobility scooter.

1. Analyze your homeowners insurance

Some carriers include a mobility scooter as one among the things in a home needing protection. If you are one among the fortunate few, you may be enjoying this benefit. In such an instance, avoid the extra expense of having exclusive protection for the device.

2. Go for an annual premium

If you feel that you are not in a position to pay monthly premium for a policy you need, pay it annually. The initial expense may be a bit high. But, you won’t have to worry about the same for one year. There may also be 3-year options. Do a research and locate budget-friendly protection.

3. Do comparison shopping

Google with the keyword "4 wheel mobility scooter insurance." It will come up with companies offering the same. Acquire quotes from as many as possible, analyze each and choose the one you want.

Remember these tips; your wallet will thank you for it! Go to Better Life Mobility and find 4 or 3 wheel medical scooter suitable for you. Get detailed information on prices at This Web Page.

Todd Dawson Is a freelance writer