Segway Insurance: What Coverage Do You Need?

Insuring a Segway depends on how you use it, local laws, and your personal risk tolerance. Whether you ride for fun or daily commuting, having the right protection can save you from major expenses.

Here are the key types of Segway insurance to consider:

Liability Insurance

Liability insurance protects you if you cause injury or property damage while riding your Segway. It covers medical bills, repair costs, and legal fees if someone sues you after an accident. This is one of the most important coverages for public use.

Physical Damage Coverage

This coverage protects your Segway itself. It pays for repairs or replacement if your Segway is damaged or stolen. Coverage usually includes:

• Collision: Damage from hitting another vehicle or object

• Comprehensive: Non-collision losses from theft, fire, vandalism, or weather

Personal Injury Protection (PIP)

PIP coverage helps pay your medical expenses if you’re injured while riding. It can also cover lost wages or rehabilitation costs. PIP pays out regardless of who caused the accident.

Uninsured/Underinsured Motorist Coverage

If you ride near traffic, this coverage is worth considering. It covers your injuries or property damage if you’re hit by a driver who has no insurance—or not enough of it.

Accessories Coverage

Do you use add-ons like a phone holder, storage bag, or lighting upgrades? Accessories coverage protects these extras from damage or theft. It ensures your entire setup—not just the Segway—is covered.

FAQs:

Q: Is  insurance required by law?
A: Insurance requirements vary by location. Some cities or states may require liability insurance, especially for public or road use.

Q: Does homeowners insurance cover my Segway?
A: In some cases, yes—especially for theft or damage on your property. However, it likely won’t cover accidents or liability off-premises.