6 Ways To Get Insurance For A Senior Scooter

May 17, 2021 4 min read

6 Ways To Get Insurance For A Senior Scooter

Many seniors often consider buying scooters to help them stay independent. While they come with plenty of benefits, they can be expensive. Thankfully, insurance can help. It will let you buy one while also protecting you from legal issues. 

If you need insurance for a senior scooter this post will assist you. You’ll discover a few ways you can receive it. 

6 Ways ToGet Insurance For A Senior Scooter

1. Consider the Type You Need

The first thing to do is confirm the type of insurance you’ll need. This can help you get coverage faster. 

There are two types of elderly scooter insurances - repair and legal protection.  

Repair

This insurance covers any repairs that your device needs. In some cases, it will also replace your scooter should it break. 

During the restoration, insurance will typically provide you with another scooter. You can’t keep it, but it will be available to you until yours has been fixed. 

Legal Protection

Mobility scooters are easy to use. But, if you’re not careful driving it, yours could get a bit wild. This puts you at risk of hurting someone or damaging property. Legal protection insurance defends you against serious claims. This policy will also cover your scooter should it be stolen or vandalized. 

In most cases, insurance will contain both of these policies. Always make sure though to double-check the guidelines so you know what you’re signing up for. 

2. Contact Your Health Insurance

Another way to ensure your scooter is to talk with your current health insurance. Many times they’ll cover you if you need amobility scooter. 

But, there might be a few occasions where they won’t. If you need one for recreational purposes, it’s unlikely you’ll get it. But, if it’s necessary for a medical condition, the more likely will. 

It’s crucial to be open with your insurance. This will help them better understand your problem and how they can aid you. It will also allow you to ask questions and voice your concerns about the process. 

3. Research Medicare Part B

Medicare Part B is designed for those 65 years and older who need medical insurance. It covers various healthcare components, such as doctor visits and medical devices. 

This choice is usually ideal for those who need an affordable scooter. Still, there are a few things you’ll need to do before being approved. 

The first is to stop by your doctor. They’ll need to perform a special test that verifies the scooter is essential to your well-being. Your doctor will then send the report to the Medicare office where they’ll review it. 

Keep in mind that if you use Medicare Part B you’ll need to pay a small premium. Thisfee will either be billed to you or deducted from benefits. If you can’t afford it, there are sometimes exemptions or deductions available. 

If the price is still too high, you’ll probably want to look elsewhere, such as a charity or use Social Security. These will provide you with a free scooter. Because they are popular, it could take a while for them to answer your application. 

Why Was I Denied Medicare Part B?

Medicare will deny requests for a few reasons. One is because of the medical test. If your doctor puts conflicting information on it, they’ll quickly refuse you. Another reason why you might be declined is because of your financial situation. 

If you’re denied insurance you can appeal it. While this will take time, it will force Medicare to relook at your request. 

4. Collect Your Scooter Papers

To get insurance, you’ll need to be prepared to answer questions. Some of these might include:

  • The date you bought the scooter
  • Its model number
  • If it needed any repairs since your purchase

The answers will guide the insurance company in directing you to the best policy. It willalso assist them in determining if you qualify for insurance. 

5. Compare Your Options

Most insurances sound good but there can be hidden details.For instance, if you damage your scooter in a certain spot, you might not be covered. Because of this, carefully look at each plan to see if it fits your needs. Some aspects to check are:

  • If it has instant repair services
  • If they provide temporary equipment
  • The coverage cap

Once you look at the possibilities, compare the pros and cons to narrow down your search. When you’ve determined the right one, contact the company. 

6. Visit Your Local Supplier

A nearby scooter distributor can direct you through the insurance process. If you use Medicare Part B, they require that the supplier inspect your living space. The supplier will then contact Medicare to confirm that you need the scooter. 

Suppliers are connected to this insurance agency and understand the complexities of it. They can talk you through the steps and lead you toward the right path.

What is Considered a Mobility Device?

A mobility device is classified as a tool that helps someone with moving. Mobility scooters fall under this category as well aswalkers, braces, and canes. 

Do I Need Insurance For a Mobility Scooter?

Most scooters don’t need insurance. Yet, there are some times where it’s necessary. 

If you only plan to drive your scooter through your home you probably don’t need it. If you want to take the scooter outdoors it would be ideal to get insurance. This can safeguard both you and others from problems. 

For those who need a free scooter, insurance might be mandatory. As mentioned, sometimes you’ll be required to pay a small premium, but this is usually very low. Insurance will cover you should something go wrong with your complimentary device. 

To Sum Things Up

Finding insurance for a senior scooter can be time-consuming. With all the options available, how do you know where to start? With these tips, you can easilyget the right one for your needs. This way, you’re protected when you zoom around on it. 

Everlasting Mobility offerscountless scooters that most insurances cover. They’re not only durable but come with many safety features. 

Waed Ali
Waed Ali


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