Do you need vehicle insurance to drive a scooter or moped on the street?

In most countries, including the United States, Canada, and the United Kingdom, you are required by law to have vehicle insurance to drive a scooter or moped on the street. The specific requirements may vary depending on the jurisdiction, but typically you will need at least liability insurance, which covers damages you cause to other people and their property in an accident. Some jurisdictions may also require you to have uninsured/underinsured motorist coverage, which protects you if you are hit by a driver who does not have insurance or has insufficient insurance to cover your damages.

In addition to legal requirements, having vehicle insurance can also provide peace of mind and financial protection in the event of an accident. Scooter and moped accidents can happen at any time, and even a minor collision can result in significant medical bills and property damage. Having insurance can help you cover these costs and avoid a financial burden.

It's important to note that the insurance requirements for scooters and mopeds can vary from those for cars and motorcycles. In some jurisdictions, scooters and mopeds may be classified as a unique type of vehicle with different insurance requirements. Make sure to check with your local department of motor vehicles or insurance provider to determine the specific requirements in your area.