Do You Need Insurance to Ride a Scooter in Maryland?
It’s a sunny afternoon, and you are eager to explore the city streets on one of those new electric scooters you’ve seen zipping around lately. As you glide through traffic, enjoying the freedom of this trendy mode of transportation, anxiety begins to creep in. You start to wonder if you are riding it legally and what would happen if you got into an accident. With so many misconceptions and uncertainties surrounding scooter insurance laws, it’s crucial to have a clear understanding of your legal obligations before hitting the road.
This is where The Law Office of Hillel Traub comes in. Focusing on Maryland traffic and personal injury law, Attorney Hillel Traub is dedicated to providing clear, comprehensive legal guidance to scooter riders and motorists alike. With over 30 years of experience and a deep understanding of local laws, Attorney Traub is a former lawyer for the MVA who is committed to prioritizing your rights and safety. Whether you need clarification on insurance requirements or representation in the event of an accident, Attorney Traub is here to help.
What You Should Know About Scooter Insurance Laws in Maryland
With the rise in popularity of electric scooters as a convenient and eco-friendly mode of transportation, more and more individuals are turning to scooters as a viable option for getting around town. However, amid the excitement of zipping through city streets, questions often arise regarding the legal requirements for riding a scooter, particularly regarding insurance.
Low-Speed Electric Scooter Insurance Requirements
In Maryland, the legal requirements for scooter insurance depend on the type of scooter you are riding and where you are riding it. For electric scooters with a maximum speed of 30 miles per hour or less, also known as “low-speed electric scooters,” insurance is not required by law. These scooters are classified as “electric personal assistive mobility devices” under Maryland law and are exempt from the insurance requirements that apply to typical motor vehicles.
However, riders of low-speed electric scooters must still adhere to certain rules and regulations, such as wearing a helmet if they are under the age of 16 and following traffic laws applicable to bicycles.
High-Speed Electric Insurance Requirements
For scooters that exceed 30 mph or are operated on roadways with speed limits above 30 mph, insurance requirements may vary. In some cases, these scooters may be classified as motorcycles, which would require riders to obtain motorcycle insurance coverage. Additionally, if you plan to ride your scooter on public roads, sidewalks, or bike paths, be sure to familiarize yourself with any local regulations that may apply to scooter operations in your area.
Potential Penalties
Failing to comply with Maryland’s insurance, registration, and helmet laws can result in significant penalties, including fines and potential impoundment of your scooter. Additionally, you may face serious financial liabilities and legal consequences if you are involved in an accident without proper insurance.
Liability in Accidents
In the unfortunate event of an accident, having the appropriate insurance coverage is crucial. It can provide financial protection for medical expenses, property damage, and potential lawsuits. Without insurance, you could be personally liable for all costs associated with the accident, which can be financially devastating.
Qualified Legal Representation for Electric Scooter Riders in Maryland
If you have questions about scooter insurance laws in Maryland or need legal representation following a scooter-related accident, The Law Office of Hillel Traub is here to help. With over 30 years of experience in personal injury law and a commitment to advocating for your rights, Attorney Hillel Traub has the knowledge and skills needed to assist you.
Schedule your free consultation today at The Law Office of Hillel Traub by calling (410) 580-1100 or filling out our contact form, and we will get back to you as soon as possible to discuss your legal options.