Scooter Insurance and Laws in Connecticut to Understand

Posted on 12 April, 2023

Scooter insurance is essential, especially if you plan to ride the streets of Connecticut for that next adventure. Motorcycles and scooters offer fun and freedom that cars can’t match. If you prefer either of the former transportation methods, you know that they can also sometimes be dangerous. Other drivers may not be cautious, and bumps in the road are particularly hazardous. Investing in motorcycle and scooter insurance is the best way to address these risks and ensure you enjoy liability protection. Learn about insurance requirements and scooter laws in Connecticut.

You Need Motorcycle and Scooter Insurance

Many motorcyclists and scooter riders mistakenly assume that Connecticut’s insurance laws do not apply to them. On the contrary, carrying motorcycle and scooter coverage in Connecticut is mandatory. In fact, according to Connecticut state law, any scooter that has an engine with more than 50 cubic centimeters of power qualifies as a motorcycle. Insurance requirements for motorcycles are the same as they are for cars. Drivers must maintain coverage of $25,000 per person and $50,000 per accident for bodily injury liability as well as $25,000 for property damage liability.

Scooter Laws in Connecticut

Scooter insurance in Connecticut isn’t the only requirement that scooter riders should know about. It’s also important to understand regulations regarding the lawful operation of these vehicles. On October 1, 2019, Connecticut passed an act regulating electric foot scooters. This phrase differentiates low-powered scooters from the aforementioned models, which exceed 50 cubic centimeters in engine power. The mandate indicates that electric foot scooters must not exceed 20 mph and that users cannot drive them on sidewalks.

Motorcycle Laws in Connecticut

In addition to motorcycle and scooter insurance laws, there are several essential motorcycle operations laws that riders need to know. Unlike laws in some other states, Connecticut law indicates that 16- and 17-year-olds may legally drive a motorcycle as long as they possess a driver’s license and comply with traffic laws. Guidelines from the Department of Motor Vehicles also indicate that riders should not split lanes. It means that even if there is a gap between vehicles in two lanes, it is ill-advised to attempt to maneuver between the gap.

Motorcycle and Scooter Safety

Following the law is part of your motorcycle or scooter driver responsibility. You must also take basic safety precautions to protect yourself and others on the road. Wearing the right protective gear is an essential part of this. Because you do not have the protection of a car surrounding your body, you must wear safety gear such as a protective jacket, pants, and — most importantly — a helmet. Head injuries are among the most common consequences of accidents involving motorcycles and scooters, but helmets can prevent this outcome.

Motorcycle and Scooter Insurance Provides Protection

Even with the right protective gear and safe driving practices, operating a scooter or motorcycle can expose you to risk. Investing in motorcycle and scooter insurance can mitigate this risk and ensure protection if you ever get into an accident, sustain injuries, or cause property damage.

About Byrnes Agency

At Byrnes Agency, we offer insurance solutions that can be tailored to meet your specific needs. Whether you’re looking for personal policies or commercial coverage, we have the right coverage for you. To learn more about our products, contact us today at one of our two locations.

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Dayville Office

Phone: (860) 774-8549

394 Lake Rd

Dayville, CT 06241

United States

info@byrnesagency.com

Hours of Operation: Monday- Friday 9:00am-5:00pm

Norwich Office

Phone: (860) 886-5498

6 Consumers Avenue

Norwich, CT 06360