Electric scooters and e-bikes are fast, and the law around them is still catching up. Riders, drivers and pedestrians hurt in these crashes often find insurance coverage unclear.
Common causes
- Drivers who do not see riders or pass too closely.
- Pedestrians struck by scooters on sidewalks.
- Road and sidewalk hazards.
- Mechanical failures such as brake or battery problems.
- Rider inexperience or speed.
Who may be responsible
- A negligent driver, rider or pedestrian.
- The scooter rental company, in some situations.
- A manufacturer or seller if a defect contributed.
- A city or property owner for a dangerous hazard, subject to notice rules.
Insurance and rental terms
Personal auto policies may not cover a scooter you are riding, and homeowner or renter policies may exclude motor vehicles. Rental companies often require riders to accept terms that limit claims or require arbitration. Check your health insurance, your auto policy's uninsured motorist coverage and any coverage offered through the rental app.
What a lawyer does
- Preserves the device and app data, including ride logs.
- Reviews rental terms and arbitration clauses.
- Investigates product defects when equipment failed.
- Handles claims against drivers, companies or public entities.
- Values medical care and lost income.
Rules to know
- Helmet, age and speed rules vary by state and city.
- Some places limit riding on sidewalks.
- Rules for e-bike classes differ.
- See our guide to motorcycle and bicycle claims for related fault rules.
Frequently asked questions
Can I sue a scooter rental company?
Sometimes, but the terms you accepted may limit or channel claims.
Does my car insurance cover me on a scooter?
Usually not, so check the policy and ask your insurer.
What if a defect caused the crash?
A product liability claim may be possible, which a lawyer can evaluate.