Insuring your 3 Wheel Mobility Scooter
The country is quite liberal towards mobility scooter drivers. They are not required to take an insurance policy to take the vehicle to the road. This relaxation is given on the assumption that they would most probably be driving the device only on pavements. Still, it is highly recommended that you insure your vehicle if you feel that it is a valuable investment. This will ensure that you are not required to spend from your own pocket if the device gets damaged in an accident.
Tips to insure a 3 wheel mobility scooter
Before venturing in this direction, know that insurance companies are generally reluctant to insure mobility devices. Still, you can try your luck here.
1. Determine the coverage you want
Evaluate how you are planning to use the device and determine the coverage accordingly. If you are buying it just for indoor use, you may not need a policy at all. Insure it only if you use it outdoors. Start with a minimum coverage for damage. This will take care of the loss you may incur if your vehicle gets damaged in an accident. You will also stay safe from the legal complications you may face if you cause injury to another pedestrian on the pavement. The company may even replace your vehicle in extreme circumstances.
A thief and vandalism coverage will make sure that the device gets replaced if it is stolen. You can also go for a breakdown policy if your budget allows. It will help you reach your home safely if the scooter breaks down on the way. If you make the purchase from a dealer, getting the kind of protection you need would not cause much trouble. The expert will make sure that everything goes smooth and fine.
2. Know the limitations
When insuring your vehicle, be aware of the limitations on the policy you purchase. For instance, certain companies accept claims only for the damages happening at a certain distance from your residence. Here are some other limitations you may come across when insuring a vehicle.
• Limitations on breakdown claims: Know that your policy may get canceled if your breakdown claims exceed a specific number. If you file a breakdown claims more than four times a year, your insurance provider may cancel your policy. This is done to ensure proper maintenance and minimize the number of claims.
• The vehicle insured: Certain carriers insure only that vehicle you insured for the first time. For this reason, it is a must that you notify the company in question before changing it. Besides, you will not be able to file a recovery claim for two days after purchasing the policy. This may cause a slight inconvenience if your vehicle gets damaged within one day of acquiring the coverage. Read and understand your policy in detail before signing up the contract.
Insure your 3 wheel mobility scooter before law forces you to do so. It will definitely happen in the near future. There are reports of insurance companies taking measures in this respect.
Few words on buying scooters. If you are LA, California resident, visit Better Life Mobility Center in Los Angeles http://www.betterlifemobility.com/Locations/Los-Angeles and find Pride mobility scooter tailored to your needs. Victory, GoGo Sport and other models at this page http://www.betterlifemobility.com/Mobility-Products/Wheelchairs-Scooters/Scooters/3-Wheel-Scooter. Pick up in store rebate available!
Contact :
Contact Person: Mo Abusham
E-mail: [email protected]
BETTER LIFE MOBILITY CENTERS
Address: 8130 Parkway Dr.La Mesa, CA 91942
Tel/Fax: 888 540 8267
Website: http://www.betterlifemobility.com/