Back Electric Scooter Rentals

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nanyosh Aug 31, 2018 10:30 AM
It appears these are cropping up like wildfire in the major metropolitan areas in the last couple of years (Lime, Bird, Skip etc.). My California client posed an excellent question - is any coverage afforded under his CPL coverage should he cause bodily injury or property damage while operating it?  I reviewed a carrier contract and they cover recreational motor vehicles (assuming electric scooters are considered a recreational motor vehicle) as long as it's not used for racing purposes. They define recreational motor vehicle as designed for recreational use OFF public roads, used to service residence premises or designed to assist handicapped.

Has anyone run across this before?   Any input would be greatly appreciated.

Thank you.
alexcossio Oct 12, 2018 9:46 AM
You can provide a blanket accident policy for injuries/death on the rented scooters.  Participant accident coverage can be excess over the claimant's primary health insurance or , if uninsured, the accident policy would drop down to first-dollar coverage.

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