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(BusinessWeek)   Insurance companies insist motorized scooters need to be covered under vehicle policies. Those rascals will do anything to make a buck   (businessweek.com) divider line 78
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3031 clicks; posted to Main » on 23 Jul 2014 at 11:19 AM (8 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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ZAZ [TotalFark]
2014-07-23 09:08:57 AM

I think the relevant definition is going to be section 500.3101(1)(e) of the Insurance Code, which defines

(e) "Motor vehicle" means a vehicle, including a trailer, operated or designed for operation upon a public highway by power other than muscular power which has more than 2 wheels. Motor vehicle does not include a motorcycle or a moped, as defined in section 32b of the Michigan vehicle code, 1949 PA 300, MCL 257.32b. Motor vehicle does not include a farm tractor or other implement of husbandry which is not subject to the registration requirements of the Michigan vehicle code pursuant to section 216 of the Michigan vehicle code, 1949 PA 300, MCL 257.216. Motor vehicle does not include an ORV.
 
2014-07-23 09:19:56 AM
Have you seen the way those fatasses drive them in stores?

thecarnivoreproject.typepad.com
 
2014-07-23 09:40:49 AM
Especially ones festooned with more than six Gadsden flags.
 
2014-07-23 11:23:38 AM

Diogenes: Have you seen the way those fatasses drive them in stores?


I figure the SUV was totaled and the person on the mobility scooter didn't even realize a crash happened.
 
2014-07-23 11:24:12 AM

Diogenes: Have you seen the way those fatasses drive them in stores?

[thecarnivoreproject.typepad.com image 400x400]


I know you're (probably) joking, but if you have a hard time avoiding someone on a scooter in a store, the problem might be yours.
 
2014-07-23 11:26:21 AM
Does not approve

www.guitarworld.com
 
2014-07-23 11:27:11 AM

Mr. Coffee Nerves: Especially ones festooned with more than six Gadsden flags.


Festoon is an excellent word.
 
2014-07-23 11:27:56 AM
img.fark.net
 
2014-07-23 11:27:59 AM
A lot of the people who ride them look like they should be covered the same way.
 
2014-07-23 11:29:23 AM
I want to start my own insurance company. It would be great to collect a bunch of money from people and when they need something in return, tell them no can do then raise their bill.
 
2014-07-23 11:30:10 AM
 
2014-07-23 11:30:39 AM
A town across the river in Ohio has made it legal to drive golf carts on the streets. Nothing like a bunch of young kids and old farts without licenses driving around a quiet little vehicle.
 
2014-07-23 11:30:46 AM
media-cache-ec0.pinimg.com
 
2014-07-23 11:32:23 AM
Uuuuuugh. I think this guy might win, thankfully, based on the fact that auto insurance for scooters isn't commercially available for fark's sake. But then if companies start offering it...

Hopefully the judge(s) involved recognize the spirit as opposed to the letter of the law (which I'd wager was written long before motorized scooters were commonplace) and then gets it changed.
 
2014-07-23 11:33:44 AM

Blue_Blazer: A town across the river in Ohio has made it legal to drive golf carts on the streets. Nothing like a bunch of young kids and old farts without licenses driving around a quiet little vehicle.


A town or a 'community'?
 
2014-07-23 11:34:09 AM
So by the insurance companies' logic, if a kid's driving their Power Wheels to the park across the street, and someone runs them down, too bad, so sad, that powered, four-wheeled vehicle wasn't insured?
 
2014-07-23 11:36:02 AM
I agree with the insurance companies. Maybe if these fatasses have to pay they will get up and walk a little. Plus it would be nice to have been able to file a claim for every time one of these assholes has run over my ankle or hit me as they try to squeeze past at ninety miles an hour. Freaking scooters are the downfall of this country.
 
2014-07-23 11:37:39 AM

theknuckler_33: Diogenes: Have you seen the way those fatasses drive them in stores?

[thecarnivoreproject.typepad.com image 400x400]

I know you're (probably) joking, but if you have a hard time avoiding someone on a scooter in a store, the problem might be yours.


Really, they persistently run into the backs of peoples legs, over feet, and knock shiat over.
 
2014-07-23 11:38:29 AM
Souless, money sucking, lying, cheating sons of Plague ridden whores have taken your country America.
Go take it back.
 
2014-07-23 11:38:42 AM
Accidents involving mobility scooters are not rare. This month, a 48-year-old Idaho woman   while riding one and trying to cross a street. In April, a 70-year-old Midland (Tex.) man pulling out of a parking lot. More than 60 mobility scooter deaths and 400 hospitalizations in Australia over a 10-year period-most involving elderly riders-prompted a (PDF) seeking safety improvements.

I think this isn't a bad idea, but, not from the direction that people on mobility scooters getting hit by cars should be covered separately.... why is a scooter any different than a pedestrian or bicycle rider in that case... any damages should be covered by the automobile policy.    But, they should have to carry coverage for accidents THEY cause if they run into a pedestrian, as a motorized vehicle themselves.    It is at a different "level" than a street vehicle, but, it should be covered in a "motorized pedestrian" class of vehicles, which would include Segways, etc.
 
2014-07-23 11:40:31 AM
Health or homeowners insurance, yes. Not everything with wheels is a car, especially if they're allowed on sidewalks. Even bicycles aren't allowed on sidewalks.
 
2014-07-23 11:40:40 AM

Deedeemarz: I agree with the insurance companies. Maybe if these fatasses have to pay they will get up and walk a little. Plus it would be nice to have been able to file a claim for every time one of these assholes has run over my ankle or hit me as they try to squeeze past at ninety miles an hour. Freaking scooters are the downfall of this country.


Color me hoping my fat ass lives long enough to see you crippled and chaired.
The day is coming, Boy.
I see the day a'comin, it comin' 'round the bend.
 
2014-07-23 11:40:44 AM

NightSteel: So by the insurance companies' logic, if a kid's driving their Power Wheels to the park across the street, and someone runs them down, too bad, so sad, that powered, four-wheeled vehicle wasn't insured?


I've been assured by reputable Farkers that a strict reading of the law is the only way to read it, lest a lawless judiciary begins to write law from the bench and dissolve the republic.
 
2014-07-23 11:42:29 AM
Well, they are in The Netherlands... I'm surprised they're not in the US.

roimg.nl
The yellow squares are license plates.
 
2014-07-23 11:43:19 AM

theflatline: theknuckler_33: Diogenes: Have you seen the way those fatasses drive them in stores?

[thecarnivoreproject.typepad.com image 400x400]

I know you're (probably) joking, but if you have a hard time avoiding someone on a scooter in a store, the problem might be yours.

Really, they persistently run into the backs of peoples legs, over feet, and knock shiat over.


You must have terrible luck. I've literally never seen ANY of those things happen in my entire life. I don't doubt that they happen, but 'persistently'? If it happens so often, I think I'd have experienced at least one of them at least once ever.  Perhaps it's because when I see someone on a scooter, I give them a wide berth because, well, they're on a scooter.
 
2014-07-23 11:47:03 AM
Fark yer flying cars.
I want a hovering scooter.
 
2014-07-23 11:48:43 AM

Badgers: Well, they are in The Netherlands... I'm surprised they're not in the US.

[roimg.nl image 436x290]
The yellow squares are license plates.


I see what you did there. I heard lots of jokes when I lived in Germany about how the Dutch drive.
 
ZAZ [TotalFark]
2014-07-23 11:50:12 AM
I think I solved the legal puzzle. (My bill is 43 million Fark bucks.) The bar on lawsuits only applies to motor vehicles (as defined by the Insurance Code) required to be registered (as defined by the Vehicle Code).

Vehicle Code section 257.216 exempts from registration

"(b) A vehicle that is driven or moved on a street or highway only for the purpose of crossing that street or highway from 1 property to another."

That covers the kid on the Power Wheels mentioned above, as well as somebody crossing the street in a wheelchair (but not driving along the street).
 
2014-07-23 11:51:21 AM

Blue_Blazer: A town across the river in Ohio has made it legal to drive golf carts on the streets. Nothing like a bunch of young kids and old farts without licenses driving around a quiet little vehicle.


They aren't street legal in many places.

Hell, in NYC, you arent even allowed to use a Segway.
 
2014-07-23 12:06:10 PM
www.tankchair.com
Preparing for the cripple military takeover.
 
2014-07-23 12:06:30 PM
1. Wow, I guess that means if you plow over a 5 year old who doesn't have car insurance the insurance Co shouldn't have to make a payout? How is this guy not a pedestrian equivalent?

2. Scooters shouldn't be able to go faster than a brisk walk in a crowd. Its dangerous for them to silently zip past you on a narrow sidewalk.

3. Most scooter owners are NOT doing any favors to themselves by totally eliminating all of their physical activity. I'm surprised doctors pass the prescriptions out. Even if you have arthritis, guess what? Physical activity helps control the pain. We are going to have hordes of extremely infirm boomers who will struggle to shift their butt from their wheel chair to the toilet. Something to look forward to...
 
2014-07-23 12:06:57 PM

Diogenes: Have you seen the way those fatasses drive them in stores?

[thecarnivoreproject.typepad.com image 400x400]


The same way I drive my truck in stores. Is that wrong?
 
2014-07-23 12:07:05 PM
The problem is some people drive these things on the street all the time.  Slower then a bike too, well into the lane.  If they can cause accidents, they need plates and insurance as a start.

Here is a simple test.  Is this driven in the street often?  Yes? Then get plates and insurance because you are a motor vehicle.
 
2014-07-23 12:08:35 PM
They are trying to get out of covering injuries to the man in the scooter...i could see if they declined to cover the damage or replacement of his scooter, but that isn't what they are doing here...they want out from all costs to cover him under his personal injury policy. They should DIAF.
 
2014-07-23 12:10:06 PM
We need an "Evil" tag. Fark insurance companies. They're run by sociopaths.
 
2014-07-23 12:10:41 PM

Pull the Plug on Grannie: 3. Most scooter owners are NOT doing any favors to themselves by totally eliminating all of their physical activity. I'm surprised doctors pass the prescriptions out. Even if you have arthritis, guess what? Physical activity helps control the pain. We are going to have hordes of extremely infirm boomers who will struggle to shift their butt from their wheel chair to the toilet. Something to look forward to...


whenfallsthecoliseum.com
 
2014-07-23 12:11:55 PM

theknuckler_33: theflatline: theknuckler_33: Diogenes: Have you seen the way those fatasses drive them in stores?

[thecarnivoreproject.typepad.com image 400x400]

I know you're (probably) joking, but if you have a hard time avoiding someone on a scooter in a store, the problem might be yours.

Really, they persistently run into the backs of peoples legs, over feet, and knock shiat over.

You must have terrible luck. I've literally never seen ANY of those things happen in my entire life. I don't doubt that they happen, but 'persistently'? If it happens so often, I think I'd have experienced at least one of them at least once ever.  Perhaps it's because when I see someone on a scooter, I give them a wide berth because, well, they're on a scooter.


I live in Florida where obese snowbirds ride them around the grocery stores and discount clubs like they are on a Nascar track.
 
2014-07-23 12:12:39 PM

theknuckler_33: theflatline: theknuckler_33: Diogenes: Have you seen the way those fatasses drive them in stores?

[thecarnivoreproject.typepad.com image 400x400]

I know you're (probably) joking, but if you have a hard time avoiding someone on a scooter in a store, the problem might be yours.

Really, they persistently run into the backs of peoples legs, over feet, and knock shiat over.

You must have terrible luck. I've literally never seen ANY of those things happen in my entire life. I don't doubt that they happen, but 'persistently'? If it happens so often, I think I'd have experienced at least one of them at least once ever.  Perhaps it's because when I see someone on a scooter, I give them a wide berth because, well, they're on a scooter.


I don't think it happens quite as often as he's suggesting, but I have had two people hit me while in line. Just ran right into my legs, and then looked at me like I was in the way. One even asked if he could get ahead of me. But, again, I've had it happen twice in 30 years. Not exactly an epidemic.

/both were very fat.
//the guy in tfa is paralyzed, though. So I'm not sure all the fat hate is well placed.
 
2014-07-23 12:14:04 PM

Whatchoo Talkinbout: Diogenes: Have you seen the way those fatasses drive them in stores?

[thecarnivoreproject.typepad.com image 400x400]

The same way I drive my truck in stores. Is that wrong?


LOL...kinda?

I recently got plowed into by some chick (walking) who was texting away in the grocery store.  She looked at me like I ran into her.  I just said, "If that's any indication how you drive I think I'll wait until you drive home."  Which earned me a "WHATEVAR" and she went right back to texting and walking obliviously.

Really wish I were making that up.  My new neighborhood is full of people like that.
 
2014-07-23 12:14:05 PM

snocone: Souless, money sucking, lying, cheating sons of Plague ridden whores have taken your country America.
Go take it back.


I'm only one man. How am I supposed to kill over 300 million?

/Give it back to the natives when I'm done.
 
2014-07-23 12:14:51 PM

Pull the Plug on Grannie: 3. Most scooter owners are NOT doing any favors to themselves by totally eliminating all of their physical activity. I'm surprised doctors pass the prescriptions out. Even if you have arthritis, guess what? Physical activity helps control the pain. We are going to have hordes of extremely infirm boomers who will struggle to shift their butt from their wheel chair to the toilet. Something to look forward to...


I've known several people who have needed wheelchairs or scooters and they most certainly did NOT totally eliminate all their physical activity. In every case that I am aware, they are used solely to avoid/eliminate the risk of a fall. My 92 year old grandmother who passed away a few months ago needed a wheel chair to go long distances... over 25 yards or so... but still walked everywhere else (e.g. in the house)

/still going to have hordes of extremely infirm boomers though...
 
2014-07-23 12:18:49 PM

Diogenes: Whatchoo Talkinbout: Diogenes: Have you seen the way those fatasses drive them in stores?

[thecarnivoreproject.typepad.com image 400x400]

The same way I drive my truck in stores. Is that wrong?

LOL...kinda?

I recently got plowed into by some chick (walking) who was texting away in the grocery store.  She looked at me like I ran into her.  I just said, "If that's any indication how you drive I think I'll wait until you drive home."  Which earned me a "WHATEVAR" and she went right back to texting and walking obliviously.

Really wish I were making that up.  My new neighborhood is full of people like that.


Real salt of the Earth people.

/You know, morons.
//It's Florida, everybody's a retard until proven otherwise.
 
2014-07-23 12:19:01 PM
Insurance companies want people who own scooters to pay $100/mo. for a "vehicle" that is worth $200...

Sounds Legit...
 
2014-07-23 12:19:05 PM
img.fark.net

i2.cdnds.net
i2.cdnds.net
i2.cdnds.net
 
2014-07-23 12:20:12 PM

snocone: Fark yer flying cars.
I want a hovering scooter.


Oh lawd cheese burger
 
2014-07-23 12:21:36 PM
You can get a DUI on one, right? Can you seriously injure somebody if you are maneuvering recklessly, and you get hit by a motor vehicle and your mobility scooter goes flying into a crowd? Can you seriously break a pedestrian's foot with one?

Hit the fat farks with liability coverage as a minimum.
 
2014-07-23 12:21:44 PM

snocone: Fark yer flying cars.
I want a hovering scooter.


forums.cloutsnchara.com
 
2014-07-23 12:25:12 PM

HAMMERTOE: You can get a DUI on one, right? Can you seriously injure somebody if you are maneuvering recklessly, and you get hit by a motor vehicle and your mobility scooter goes flying into a crowd? Can you seriously break a pedestrian's foot with one?

Hit the fat farks with liability coverage as a minimum.


Home insurance usually has personal liability insurance included.
 
2014-07-23 12:27:47 PM

The Irresponsible Captain: Even bicycles aren't allowed on sidewalks.


Except when they are allowed on sidewalks.
 
2014-07-23 12:28:01 PM
1.media.todaysbigthing.cvcdn.com

This is the one I'll be gunning for. The Christopher Pike model. When it comes time to poop, I just back up over a toilet.
One beep means get out of my way. Two beeps means get out of my way you stupid jerk.
 
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