Maryland Law Now Requires Insurance on Mopeds and Motor Scooters

Can you spot how many violations this man would be committing if he were in Maryland?

Can you spot how many violations this man would be committing if he were in Maryland?

Effective October 1, 2012, new Maryland state laws apply to mopeds and motorized scooters. As of this date, all such vehicles in the state are now required to be titled and registered through Maryland's Motor Vehicle Administration (MVA). The MVA issued decal is then required to be permanently displayed on the registered vehicle.

FURTHER, the owners of such vehicles must then acquire at least the minimum liability insurance and uninsured motorist insurance coverage required by Maryland. This would be $30,000 for bodily injury (personal injury) liability coverage per person ($60,000 per accident), and $15,000 for property damage for both liability and uninsured motorist coverage. Proof of such insurance must be carried by the vehicle operator.

In addition to the above, moped and motorized scooter operators will be required to wear helmets approved by the Motor Vehicle Administration (MVA), as well as MVA-approved protective eyewear if the vehicle does not have a windscreen.

Many, but not all insurance companies doing business in the state of Maryland offer coverage for mopeds and motorized scooters. Many of the insurers that provide motorcycle insurance will also provide coverage for mopeds and motor scooters.

If you already have automobile insurance, it might be best to contact your current insurance company to inquire about moped or motorized scooter insurance. That way, you may qualify for such premium reductions as multi-policy or 'bundling' discounts. If you are currently without any vehicle insurance, it is always a good idea to shop around for insurance to compare coverage and prices between a few different companies.

This article is written for informational purposes only and is not intended to take the place of competent local legal counsel. Such insurance is required in the state of Maryland.

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