Segway riding risks & insurance tips
Segway personal transporters have been a fun and efficient means of getting around offices, warehouses, malls and neighborhoods since they were introduced in 2000. They've also become a staple of tourism in many areas where visitors want to explore big areas and experience as many sights as they can.
But, similarly to other motorized vehicles, riding them has some risk. Much like automobile insurance, Segway insurance may cover both injuries and property damage. The theft of the Segway can also be protected. Typically, the insurance is sold as a rider or endorsement to an automobile or recreational vehicle insurance policy. You may also be able to purchase a standalone policy designed specifically to cover Segway-related losses.
The joy of personal transportation
A Segway is a two-wheeled motorized personal vehicle consisting of a platform for the feet mounted above an axle and an upright post surmounted by handles. The vehicle was initially envisioned as revolutionizing transportation, but sales never took off and the manufacturer was sold to a competitor in 2015. Segways can exceed 12 mph and often are used in areas with heavy pedestrian and vehicular traffic.
There's no discounting the joy of riding these transporters. The Segway smoothly changes its balance based on the rider’s weight shift by using gyroscopic and fluid-leveling sensors. They provide a fun and easy way to get around.
Personal transporter risks
Segway personal transporters have extensively engineered components and are complicated pieces of equipment, so it's important for owners to ensure they follow proper safety protocol when operating one. Riders should always follow the manufacturer's recommended safety and operation guidelines and wear protective equipment, particularly a helmet, when riding a Segway.
Despite these best efforts, injuries can still occur. However, current injury statistics on Segway usage are difficult to find because the U.S. Consumer Product Safety Commission lumps personal transporters with four-wheeled motorized skateboards and scooters.
Theft is another personal transporter risk. Although the weight and size of a Segway make them difficult to steal, the device’s price tag is a potent enticement.
Because Segway insurance is still a relatively new concept, it’s important to understand the types of coverage available. Owner-riders and companies whose employees use personal transporters for their work tasks can purchase policies with liability, theft and property damage, in addition to comprehensive insurance protection that may absorb damage costs from vandalism or the weather. Some policies will also offer medical payments insurance, helping to defray medical costs.
Riding a Segway can be a pleasurable experience. But it’s important to have protection if something occurs. Contact a Nationwide insurance agent to learn about your coverage options.