Getting the Scooter

As is often the case with Chinese Scooters, the paperwork (Actually called the MSO) was a few days behind the scooter's arrival as we had purchased what was essentially a brand new scooter, they were not prepared to give us the paperwork and scooter the same night we purchased them. It actually ended up only being about two days before the papers arrived and our scooter was ready to be picked up at the warehouse where they had assembled it.

Cath and I stopped by the store and met with Becky, the paperwork person, who gave us the application for title and the MSO to carry with us so that we can license the scooter in the state of Missouri in the next week or so. At the same time, I called my State Farm agent and asked about insurance on the scooter. This was almost funny to me because she asked if I wanted the same coverage as I had on the van which has full coverage including collision and comprehensive coverage. At first I was a bit suspect because I truly did not know what kind of cost I was going to be looking at for this endeavor, but she said she would run it with a $500 deductible on those...meaning that if we were to 'total' the scooter, it would be replaced for $500. Now...I have to tell you that I'm not sure I will keep those two coverages on an $1800 scooter, but in the interest of time, I decided to just allow her to keep it on the policy. After running her magic numbers, it came back - Just over $19/month added to my car insurance for the scooter!

I was still pretty floored by this as I had always thought of cycle insurances as being outrageously expensive and this seemed so terribly cheap, but the more I thought the more I realized that most insurance payments are for Liability - damages to others property or body...and a scooter that tops out at about 50 and will primarily be used around town would probably do little in the way of damage to another vehicle in general.

So - Paperwork is in hand and off we go to pick up our new toy!