Electric skateboards are becoming a popular mode of transportation for people of all ages. They are fast, efficient, and environmentally friendly. However, electric skateboards can also be dangerous and cause accidents.

If you are an electric skateboard rider, you may be wondering how insurance works for you. In this article, we will explore the topic of insurance for electric skateboard riders.

What is an Electric Skateboard?

An electric skateboard is a longboard or a skateboard with an electric motor and battery that powers the vehicle. Electric skateboards are propelled by a handheld remote control, which the rider uses to accelerate, brake, and steer the board.

Are Electric Skateboards Dangerous?

Electric skateboards are faster than regular skateboards and can reach speeds of up to 25 mph. Due to their high speed, electric skateboards can be dangerous, especially if the rider is not experienced or does not wear proper safety gear.

Electric skateboard riders are at risk of accidents and injuries such as collisions with vehicles or pedestrians, falls, and crashes due to equipment failure or malfunctions.

What Insurance Coverage Do Electric Skateboard Riders Need?

Electric skateboard riders need insurance coverage to protect themselves from accidents, injuries, and damages. However, insurance coverage for electric skateboard riders may be difficult to obtain or may not be available in some states.

Here are the types of insurance coverage that electric skateboard riders may need:.

Liability Insurance

Liability insurance covers the cost of damages or injuries that you may cause to others while riding your electric skateboard.

If you collide with a pedestrian, a cyclist, or a vehicle, liability insurance will pay for the medical expenses, property damages, and legal fees that may result from the accident.

Personal Injury Protection

Personal injury protection (PIP) covers your medical expenses and lost income if you are injured in an accident while riding your electric skateboard. PIP also covers your passengers’ medical expenses, regardless of who caused the accident.

Uninsured Motorist Coverage

Uninsured motorist coverage protects you if you are involved in an accident with an uninsured or underinsured driver.

If a driver hits you and does not have insurance or their insurance coverage is not enough to pay for your damages or injuries, your uninsured motorist coverage will pay for your medical expenses, lost wages, and other damages.

Collision Coverage

Collision coverage pays for the repair or replacement of your electric skateboard if it is damaged or destroyed in an accident. Collision coverage is optional, and you may choose to include it in your insurance policy.

How to Get Insurance Coverage for Your Electric Skateboard

Getting insurance coverage for your electric skateboard may be challenging, as not all insurance companies offer coverage for this type of vehicle. Here are some tips on how to get insurance coverage for your electric skateboard:.

Check with Your Homeowners or Renters Insurance

Your homeowners or renters insurance may cover your electric skateboard, especially if it is stolen or damaged while in your house or apartment. Check with your insurance provider to see if your skateboard is covered under your policy.

Look for a Specialty Insurance Provider

There are insurance companies that specialize in providing coverage for electric skateboards and other personal electric vehicles. These companies may offer customized coverage options that suit your needs and budget.

Do some research to find a reputable, specialized insurance provider in your area.

Compare Insurance Quotes

Before purchasing an insurance policy for your electric skateboard, make sure to compare quotes from different companies. This will help you find the best coverage at the most affordable price.

Tips for Staying Safe While Riding Your Electric Skateboard

As an electric skateboard rider, it is important to stay safe and avoid accidents. Here are some tips to help you stay safe while riding:.

Wear Proper Safety Gear

Always wear a helmet and other protective gear such as knee pads, elbow pads, and wrist guards. Proper safety gear can protect you from serious injuries in case of falls or accidents.

Obey Traffic Laws

Follow traffic laws and regulations. Electric skateboards are usually considered legal on private property, but they may be illegal or restricted in public areas such as sidewalks, bike paths, or roadways.

Check the local laws and regulations before riding your electric skateboard in public areas.

Practice Riding in a Safe Area

Practice riding your electric skateboard in a safe and open area such as an empty parking lot or a secluded park. This will help you get used to the vehicle and improve your skills before riding in traffic or crowded places.

Conclusion

Insurance coverage is essential for electric skateboard riders as accidents can happen anytime and anywhere.

Electric skateboard riders need liability insurance, personal injury protection, uninsured motorist coverage, and collision coverage to protect themselves from damages, injuries, and legal fees that may occur in accidents.

Getting insurance coverage for your electric skateboard may be challenging, but it is possible by checking with your homeowners or renters insurance, looking for a specialty insurance provider, and comparing quotes from different companies.

By following safety tips such as wearing proper safety gear, obeying traffic laws, and practicing riding in a safe area, electric skateboard riders can enjoy their rides while staying safe and protected.