General Insurance Question

ksbuddy · Post by **ksbuddy** » Mon Nov 02, 2009 2:55 pm

Have you guys found that a certain insurance provider is "the way to go" with the Buddy scooters? I know it's that way with motorcycles, that there's often one provider per manufacturer that stands out as being the best one to go with.

And two... do people typically just insure for liability only or would it be smart to add theft. I'm not too worried about collision, but I can see one of these scooters being taken quite easily.

Thanks!

jmazza · Post by **jmazza** » Mon Nov 02, 2009 3:32 pm

As you know, insurance is very tough to compare. I have mine through Geico. There are so many factors that go into why you get the rate you get. Here is our guide to getting the best rate. It seems that every time this question comes up there's a pretty equal for/against for every company. I can't say I've ever felt that one has risen to the top based on the anecdotal evidence here.

As for what coverage to get, it's something only you can decide. Any insurance is based on what risk you're willing to take. Yes, the Buddy is VERY easy to steal (lots of threads on security around here) so if adding comprehensive coverage doesn't add a lot to your bill you might as well get it.

Also welcome to ModernBuddy! Be sure to check out the Welcome/Posting Guidelines as well as some of the other MB Guides. There's tons of threads already here on a lot of the most common new owner questions- there's a search link at the top right of this page. The search can be a bit hard to get at first but you can usually find what you are looking for if you try hard enough- no waiting!

Enjoy your ride!

KABarash · Post by **KABarash** » Mon Nov 02, 2009 3:51 pm

My advise would be, go with what you're 'comfortable' with. Shopping around might and will get you the best rate, but maybe not the best service.
I went with Nation Wide, they carry ALL my insurance needs, and more importantly it's the same agent whom I've been doing business with for 25+ years.

Ms_Kady · Post by **Ms_Kady** » Mon Nov 02, 2009 3:54 pm

We insure all of our bikes through Progressive. We have 2 scooters and my husband just got a new Harley Davidson V-Rod. We're both covered on all of the bikes for about $60/month.

bluebuddygirl · Post by **bluebuddygirl** » Mon Nov 02, 2009 4:31 pm

I do full coverage on any new vehicle, including collision, and including my scooter.

Dooglas · Post by **Dooglas** » Mon Nov 02, 2009 4:36 pm

Whatever provider you choose, be sure you have uninsured motorist coverage as well as liability. Collision/comprehensive is up to you.

(You can go back to many other threads on this subject and you will see many riders recommendations and experiences.)

DennisD · Post by **DennisD** » Mon Nov 02, 2009 7:15 pm

Foremost/AARP insured 3 for the cost of one with Progressive. I was shocked, but happy. Nothing changed but the company.

Portland_Rider · Post by **Portland_Rider** » Mon Nov 02, 2009 9:00 pm

Dooglas wrote:Whatever provider you choose, be sure you have uninsured motorist coverage as well as liability. Collision/comprehensive is up to you.

(You can go back to many other threads on this subject and you will see many riders recommendations and experiences.)

I second Dooglas's reply.

At least in Oregon the same category of protection covers you if you get hit by an uninsured/underinsured/hit and run driver. Insurance pros say that about 70% of drivers do not have adequate coverage. As a scooter rider, it wouldn't take too much impact or too much of a fall to possibly put you in the hospital with some tens or hundreds of thousands in bill$ (maybe even higher). If you and your insurance firm cannot get the money from the person who hits you and their insurance firm if they have one, you then become responsible.

The term "full-coverage", I believe, is misleading. I do not know anyone who is fully-covered for an unlimted amount of potential legal and unlimited medical bills for themselves being at fault or the other driver. When I lived in California, I worked for a few months selling insurance at a State Farm Office. We were always instructed never to use the term Full Coverage since it implies unlimited coverage.

One of the reasons that I refuse to give rides to anyone is that if I make a mistake and my passenger goes flying off that person can end up crippled, brain dead, or something less severe. Guess who is at fault and responsible?

Have fun riding your scooter just be prepared to accept all the possible consequences regarding your insurance decisions.

irishtim · Post by **irishtim** » Mon Nov 02, 2009 9:56 pm

Call your scooter shop and get the name and number of an agent who rides. Having a real person to sit down with, talk to at your convenience and who knows what riders need since he/she rides is without parallel.