As a Vespa owner, one of the most vital things you need to consider is insurance. Most states have laws that mandate the necessity of specific insurance policies for scooter and moped owners. However, these laws don't always conform to motorcycle laws in most states. Before taking a ride on your Vespa, you need to ensure you are adequately covered. And, since the definition of a scooter or moped may vary from one state to another, you need to find out where your state categorizes your Vespa to know the kind of insurance you need.

There are various Vespa coverage options you should consider, including:

Medical payments

Suppose you, a passenger, or any other close relation happen to get into an accident and incur bodily harm or pass away. In that case, medical payments, foot medical bills, or funeral expenses will be as much as the coverage you have allows. Most medical payments cover the medical and funeral expenses without considering who was responsible for the accident.

Collision

Collision typically covers you against damages inflicted on your scooter by another vehicle or when it falls over.  It also includes damages caused by your Vespa to another vehicle or object, regardless of who is at fault.

Liability

Liability covers you against any damages or injuries you may cause due to an accident. This option also pays any injured party's medical expenses, repairs damaged property, and reimburses any lost income.

Uninsured/ underinsured motorist

This option takes care of your medical bills, pays for any damaged property, and compensates any income you lose because of an accident caused by a motorist with inadequate or no relevant liability insurance policy.

Road Assistance

Road Assistance insurance allows you to get emergency assistance when you have issues like a Vespa that won't start, a flat tire, or if your scooter is out of fuel before you can reach a gas station. The service is available 24/7.

Benefits of Getting Scooter and Moped Insurance

Scooter and moped insurance comes with its share of benefits. First, it indemnifies you against third-party liability. That means if your scooter or moped causes property damage or personal injury, you will not be held responsible for paying any consequent expenses. In addition, if you get comprehensive policy coverage, it will compensate you and any third party when any injury or damage occurs. Finally, getting a moped and scooter insurance will guarantee you will have peace of mind. You will be able to ride your vehicle stress-free, knowing you have financial protection.

The Bottom Line

If you want to avoid the disastrous aftermath of an unforeseen accident, make getting Vespa insurance a priority. Insurance will augment your financial security when your vehicle incurs or inflicts property damage or injures another person. Furthermore, some of the insurance options listed above, like liability insurance, are a law requirement. Check your state mandates for insurance policies you need to have to avoid litigation.