If you own and ride a scooter it is similar to having a motorcycle because you need to have insurance. Many people do not understand that driving a scooter around without insurance can cost you a lot of money if you get into an accident. If you hit somebody and don't have the proper coverage and they have to go to the hospital there is a very real chance you can get taken to court. You may want to check with a scooter insurance company that can offer you an affordable low-cost scooter insurance