Which vehicles does my car insurance cover? Car Insurance Coverage Small Motor Vehicles

Miley Legal Group

Which vehicles does my car insurance cover? Electric vehicles like scooters, mopeds, electric bicycles and Segways usually aren’t covered under car insurance. But because there is always the risk of causing harm or getting hurt in an accident in Clarksburg, car insurance coverage is a recommended service for all drivers, regardless of vehicle.

Types of Insurance Coverage That May Be Obtained for an Electric Vehicle

Some insurance companies offer coverage that is designed for specific types of vehicles. For instance, they may provide power sports or scooter insurance. There could be special provisions based on the engine’s size — such as those with 50 ccs (cubic centimeters) or more, which require motorcycle insurance.

Engine size also might impact the type of coverage that must be purchased. For instance, the requirement to carry liability may be based on a scooter’s ccs. However, some policies might have full coverage, including collision and comprehensive. It’s best to check with the insurance company regarding the types of coverage necessary for your electric vehicle.

How West Virginia Law Defines Electric Vehicles

Each state defines these types of vehicles differently. In West Virginia, a motorcycle is defined as a motor vehicle in which the rider uses a seat or saddle, and it’s designed to travel on no more than three wheels.

A motor-driven cycle is any type of motorcycle with an engine size of 50 ccs but not greater than 150 ccs or with less than five-brake horsepower.

A moped is defined as a motorcycle or motor-driven cycle that’s equipped with two or three wheels, foot pedals and an independent power source (with maximum two-brake horsepower). If a combustion engine is used, the maximum is 50 ccs. And the vehicle cannot exceed more than 30 miles per hour on a road when being propelled unassisted.

Insurance can protect you financially in the event of an accident. Of course, if you have been seriously injured while operating an electric vehicle, and an automobile driver caused the wreck, then car insurance coverage could offer you money to pay for accident injuries. To get the full story on “which vehicle does my car insurance cover?” contact a Clarksburg insurance lawyer at The Miley Legal Group, conveniently located on West Pike Street in Clarksburg: (304) 931-4088.  Check out our e-newsletter, The Group with the Scoop, which features a story on fractures in accidents for more background reading that you can do on your own.