Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Feb 27, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Charlotte, NC

Asked on 02/27/2012

I had an insured moped stolen last month and am waiting on insurance claim to pay out but my question is this…. If I get another moped/scooter and it gets stolen within a few months...are they going to honor my claim or not? I obviously don't plan on another one getting stolen but my apt complex isnt that great so I dont want to even get another cycle if I can't have it properly insured.

Answer given on March 07, 2012

If you have a credible claim for the theft of your moped, the insurance company will honor the claim, even if a similar claim happened before. However, a pattern of thefts will make the insurance company to reconsider you as a risk, and they could decide not to continue your insurance at the renewal date.If you are in an area where thefts are common, maybe you could take some extra measures to prevent a theft. Alarms are available on motorcycles, so probably on mopeds too. You could also buy a chain to discourage thefts, or park the moped in an area not as visible. You could also disable the moped by removing the battery.Talk to your agent to see if they have any advice on this situation. Hopefully, you won’t have another claim any time soon, but that is what insurance is for, to protect you from a monetary loss for such events.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.