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E-scooter accident: Who pays when there's a crash? (Sharing Guide 2026)
You were cruising through the city on your Lime or Tier, relaxed, when it happened: a swerve, a parked car, and a nasty scratch in the paint. Now the adrenaline is pumping – and the question arises: Who's going to pay for it?
Many young people think their personal liability insurance covers it. Spoiler alert: Usually not. In Germany, e-scooters are legally classified as motor vehicles. This means they require their own insurance. While this is included with the major sharing providers, the fine print often reveals high deductibles of up to €500 or more.
What you need to do now:
Secure the accident scene: Don't just drive away – that's hit-and-run!
Gather evidence: Take photos of the scooter (including its ID number) and the damage to the car.
Notification: The provider's insurance company must be informed.
Risk-BOT's tip: Before you write to the provider and potentially incriminate yourself, send us the photos via WhatsApp. We'll review how you can describe the situation so that you don't end up footing the bill.