Nationwide's Moped Insurance Coverage

Nationwide offers moped insurance, which includes liability, collision, and comprehensive coverage. Moped insurance from Nationwide also includes 24/7 emergency roadside assistance. While liability insurance for a moped is not required in 26 states, it is still recommended for your protection in the event of unexpected damages.

Liability insurance for mopeds

Mopeds are typically defined as two-wheeled vehicles with an engine that is 50cc or smaller and a top speed of 30 miles per hour or less. While liability insurance is required for motorcycles in most US states, liability insurance for mopeds is not required in 26 states. However, it is still a good idea to get liability insurance for your moped, as it can help cover the costs of any property damage or injuries you may cause while riding.

Moped insurance requirements vary depending on the state and the speed of the moped. In most states, moped and scooter owners are required to have bodily injury and property damage liability coverage. However, the amount of coverage required differs from state to state. For example, some states mandate coverage for uninsured or underinsured motorists, while a few require personal injury protection (PIP).

Additionally, if you lease or finance your moped, your lender will likely require you to obtain insurance for it. Even if moped insurance is not mandatory in your state, it is recommended that you consider coverage to help pay for medical costs and property damage or bodily injury to others, including your passengers.

Moped Insurance Coverage

Moped insurance typically includes liability, collision, and comprehensive coverage. Liability insurance covers any injuries or property damage you may cause while riding your moped. It can help pay for the injured party's medical bills, loss of income, and repairs to their vehicle or property, up to your coverage limit. It can also provide legal defence if a lawsuit arises from the accident and includes coverage for guest passengers.

Collision coverage pays for any damage to your moped if you collide with another vehicle or object, regardless of fault. It also covers safety apparel, such as helmets, and you are responsible for paying the deductible at the time of the claim. Comprehensive coverage helps protect your moped from vandalism, theft, weather events, and accidents involving animals. Similar to collision coverage, you are responsible for the deductible when making a comprehensive claim.

Moped Insurance Cost

The cost of moped insurance can vary depending on various factors, such as your age, driving history, location, and the type of moped. Basic liability insurance for a moped can start as low as $75 per year, while a more comprehensive policy with additional coverages can cost significantly more. It is important to check with your state's requirements and regulations to ensure you have the appropriate level of coverage for your moped.

Collision coverage

Yes, Nationwide does carry moped insurance. Their policies include liability, collision, and comprehensive coverage. Collision coverage is an important aspect of moped insurance and can provide financial protection in the event of an accident. Here's what you need to know about collision coverage:

Benefits of Collision Coverage:

Nationwide's collision coverage provides peace of mind and financial protection. It ensures that you won't have to pay for costly repairs or replacements out of your own pocket if your moped is damaged in a collision. This coverage can be especially beneficial if you rely on your moped for daily commuting or leisure rides. With collision coverage, you can rest assured that you won't be burdened with unexpected expenses related to accident repairs.

Combining Collision Coverage with Other Types of Insurance:

While collision coverage focuses on repairs to your own vehicle, it is often paired with other types of insurance for comprehensive protection. Liability coverage, for example, can protect you if you cause damage to someone else's property or vehicle. Additionally, comprehensive insurance can cover issues like theft, vandalism, and damage from natural disasters. By combining collision coverage with other types of insurance, you can ensure that all aspects of your moped ownership are protected.

Getting a Quote for Collision Coverage:

When considering moped insurance, it's important to understand the specific requirements and recommendations for your state. Nationwide offers moped and scooter insurance that includes collision coverage, and you can obtain a free quote on their website. Factors such as your age, driving history, location, and type of moped will influence the cost of your insurance. By getting a quote, you can make an informed decision about the level of collision coverage that's right for you.

Comprehensive coverage

Nationwide offers custom policies for mopeds and scooters that can include comprehensive and collision coverage, as well as liability coverage. Their policies are designed to fit your lifestyle and budget, and they offer discounts for taking riding safety courses and insuring multiple vehicles. You can get a free quote for moped or scooter insurance from Nationwide by calling them or visiting their website and entering your zip code.

In addition to comprehensive, collision, and liability coverage, Nationwide also offers other types of optional coverages for mopeds and scooters. These include uninsured or underinsured motorist coverage, original equipment manufacturer (OEM) endorsement, and roadside assistance. OEM endorsement ensures that your vehicle is repaired with parts from the original manufacturer whenever possible. Roadside assistance provides 24/7 emergency help for issues like fuel delivery, tire changes, jumpstarts, and towing.

Medical payments

In the event of a serious accident, medical payments coverage can provide valuable financial assistance to help cover the cost of medical treatment. This can include emergency room visits, hospital stays, surgeries, and other medical procedures. It may also cover the cost of rehabilitation or physical therapy needed to recover from injuries sustained in the accident.

Additionally, medical payments coverage can also help with funeral costs in the unfortunate event of a fatal accident. This can provide financial assistance to the family of the deceased during a difficult time. It is important to note that medical payments coverage has coverage limits, so it is essential to choose an appropriate limit that meets your needs and provides adequate protection.

Uninsured or underinsured motorist coverage

Moped and scooter insurance coverage from Nationwide offers liability, collision, and comprehensive coverage that moped and scooter drivers can rely on. In addition to these, Nationwide also offers uninsured motorist coverage, which is highly recommended for all drivers and mandatory in many states.

Uninsured motorist coverage protects you if you're hit by a driver who has no auto insurance. Underinsured motorist coverage, which is usually offered alongside uninsured motorist coverage, protects you if you're hit by a driver who doesn't have enough coverage to pay for the damages or injuries they caused. If you're a victim of a hit-and-run accident, you can file a claim against your uninsured motorist coverage.

Without uninsured motorist coverage, you could end up paying out of pocket for medical bills or vehicle repairs if you're injured or your vehicle is damaged in an accident with an uninsured or underinsured driver. Even if you file a claim against your own policy, you may have a large collision deductible or insufficient medical payments/personal injury protection to cover injuries to you or your passengers.

Uninsured motorist coverage for bodily injury (UMBI) may pay medical bills for you and your passengers, while uninsured motorist coverage for property damage (UMPD) may pay for damage to your vehicle. Underinsured motorist coverage for bodily injury (UIMBI) and property damage (UIMPD) work similarly but apply when you're hit by a driver with insufficient insurance coverage. Note that some states may require a deductible for UMPD/UIMPD, but UMBI/UIMBI generally doesn't include a deductible.

While not all states mandate uninsured and underinsured motorist coverage, around half require at least one of these coverages. For example, Illinois requires both, while Massachusetts and South Carolina only require uninsured motorist coverage. In New Hampshire, car insurance is one way to demonstrate financial responsibility, and if it's purchased, the state requires both uninsured and underinsured motorist coverage to be included on every policy.

Frequently asked questions