The responsibility in case of e-scooter accidents: which insurance company pays in case of damage?

Since e-scooters were allowed on German roads in 2019, they have become a popular transportation option. But their popularity is often accompanied by an increased number of accidents. Although most accidents cause only minor damage, it is important to understand which insurance pays in which cases.

In case of an accident with an e-scooter, it can be difficult to clarify responsibility. This is because different insurances may be involved, depending on the circumstances of the accident. However, there are some factors that determine which insurance takes effect and who ultimately has to pay for the damages.

In this article we explain which insurance pays in different e-scooter accident scenarios. We’ll look at several different aspects, including damage to public property, personal injury and damage to other vehicles.

Why is insurance for e-scooters important?

E-scooters have become more and more popular lately. They are a convenient and environmentally friendly way to get around cities. However, they are just as prone to accidents as any other vehicle on the road. Insurance for e-scooters is therefore very important.

The responsibility in case of e-scooter accidents: which insurance company pays in case of damage?

If you own an e-scooter, you need to be aware that damage to your own vehicle can happen as well as damage to other property or people. Without insurance, you may be responsible for all costs yourself. This can be very expensive and put a big strain on your budget.

There are different types of insurance for e-scooters, but they usually provide protection for liability and accidental damage. Liability insurance covers damage caused by a cyclist. Accident insurance covers your own medical expenses, as well as the costs incurred to repair your e-scooter.

In Germany, liability insurance for e-scooters is required by law. Insurance for damage to other persons and property is essential. If you do not have insurance, you may be subject to a significant fine.

In summary, it is important to have insurance for your e-scooter. It protects you and others from financial damages that may result from accidents. In addition, liability insurance is required by law in Germany to avoid a fine.

What damages are not covered by insurance?

Anyone who owns an e-scooter should have appropriate insurance to cover them financially in the event of damage. However, there are certain damages that are not covered by insurance.

The responsibility in case of e-scooter accidents: which insurance company pays in case of damage?
  • Vandalism: If the e-scooter is wilfully damaged by an unknown person, the insurance does not apply.
  • Driving error: if the driver himself is to blame for an accident, the insurance will not cover the damage caused.
  • Breach of contract: Anyone who lends out the e-scooter or is caught operating it without permission risks losing their insurance cover.
The responsibility in case of e-scooter accidents: which insurance company pays in case of damage?

Damage caused by the theft of the e-scooter is also not always covered. It is important to check the exact terms and conditions before taking out insurance and, if necessary, take out additional insurance to ensure comprehensive coverage.

E-scooters: which insurance will pay in case of damage?

When it comes to e-scooters, liability insurance is a legal requirement in Germany. This means that every e-scooter driver must take out insurance before hitting the road. The cost of e-scooter insurance varies depending on the insurance provider and the type of coverage.

Basically, there are two types of e-scooter insurance: liability insurance and comprehensive insurance. The liability insurance covers damage caused by the e-scooter driver to third parties. Comprehensive insurance, on the other hand, covers damage to one’s own vehicle. The cost of liability insurance is usually between 30 and 50 euros per year. Comprehensive insurance can be more expensive depending on the value of the vehicle and individual needs.

In the event of an accident, the liability insurance of the e-scooter driver usually pays compensation to the injured party. However, if the injured party is at fault for the accident or has no insurance, it can be difficult to settle the claim. Here, it may make sense to take out additional traffic law protection insurance that covers the costs of a lawyer and court proceedings.

It is important that every e-scooter rider obtains liability insurance to be covered in the event of a claim. Comprehensive insurance can also be useful to protect your own vehicle. When taking out insurance, individual needs and the value of the vehicle should be taken into account.

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