Fact Finders: Digging into insurance requirements for motor scooters

Are motor scooter operators required to carry insurance?
Updated: Jun. 9, 2021 at 10:09 PM CDT
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SPRINGFIELD, Mo. (KY3) - A high profile motor scooter accident in New York sent a Gone Girl actor to the hospital. The manager for Lisa Banes says the scooter driver ran a red light hitting the actor.

It makes Ray’s question for Fact Finders quite timely; Are motor scooter operators required to carry insurance? The answer -- is NO.

In Missouri, the scooter operator is not required to have liability insurance for either causing a personal injury to you or damage to your property. It’s the same rule for motorized bikes.

A spokesperson for the Missouri Department of Revenue pointed out this section of state law: “Section 301.010 defines a motorized bicycle as “any two-wheeled or three-wheeled device having an automatic transmission and a motor with a cylinder capacity of not more than fifty cubic centimeters, which produces less than three gross brake horsepower, and is capable of propelling the device at a maximum speed of not more than thirty miles per hour on level ground.” These are typically described as “motor scooters,” and they are exempt from motor vehicle titling and registration requirements. Chapter 303, which establishes minimum motor vehicle insurance requirements, also exempts motorized bicycles from mandatory insurance requirements. An individual who suffers injury or property damage as a result of use of a motor scooter on the public roadways may, however, be able to recover damages under civil law.”

You are required to have a valid driver’s license. And, as you can see in the previous paragraph the power of these scooters has to be under a certain limit to avoid the insurance requirement.

Even though insurance is not required, Springfield Trial Attorney David Ransin has some free advice if you own one. “You really should have insurance. Because you’re not only protecting yourself from claims against you because you may have injured somebody else’s person or property, but, if someone hurts you or your scooter or both, you need to make sure you have insurance because they may not,” said Ransin.

Media Relations Director Scott Holeman with the Insurance Information Institute told us several factors can change what you pay; your driving record, your age and even where you live. On average, you could expect rates from 50 to150 dollars a month. Holeman says you should get 3 quotes to find the lowest rate.

The Insurance Information Institute also sent this link for a video for anyone debating whether to get insurance for a scooter.

Meantime, if you’re worried about damage from a scooter to your car check your insurance policy. You’ll want to see ‘collision property damage coverage.’ That optional coverage will pay you to repair any damage from a scooter or even a deer.

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