HOVERBOARD AND ACCIDENT LIABILITY

Article about HOVERBOARD AND ACCIDENT LIABILITY

Sep 13, 2021

Hoverboards are hot right now! And especially popular with young people. But sometimes companies also buy them for their employees. But what many people do not know is that a hoverboard is unfortunately not allowed on public roads. And that the damage caused with a hoverboard in most cases is not covered by insurance.

A hoverboard currently does not meet the requirements to be allowed on public roads. According to the RDW, it is a motorized two-wheeler without a seat or steering wheel. So it falls under the category of motor vehicles, but is not approved for driving on public roads. And because the sidewalk and the bicycle path officially belong to the public road, it is therefore not allowed to ride a hoverboard on the sidewalk or on a bicycle path!


Well on the street

If a child, young person or adult does go out on the street with a hoverboard, he runs the risk that the hoverboard will be confiscated by the police and that the 'driver' will be fined 180 euros.
In the case of a minor, the parent will pay for this. Fortunately, in most places the police aren't too strict about it. But in case of dangerous driving, the police can confiscate the board. With a hoverboard only riding on your own property is recommended!

In addition, riding a segboard on public roads presents another risk. Because in most cases the driver is not insured in the event of an accident with (injury) damage. Most liability insurance policies do not reimburse damage and personal injury caused by a hoverboard. They assume that damage by a hoverboard that should be seen as a motor vehicle is not covered. Some liability insurance policies make an exception for hoverboarding that can't go faster than 10 miles per hour, because they fall under the 'toy motor vehicle' category.

Who is liable

In the event of an accident or damage, the 'driver' usually has to pay for the damage caused. In some cases, the parents may be held liable. And when it comes to a collision with a car, the damage can quickly run into the thousands of euros.
By law, the parent is liable for all damage caused by their child under the age of 14. The behavior of the child does not matter. If the child is 14 or 15 years old, the parent is liable if he/she can be blamed for not hindering the child's behaviour. In principle, children aged 16 and over are themselves liable and will have to pay for the damage themselves, unless the parents have been found to be in default.


How insured 

Even though the hoverboard formally falls under motor vehicles, it is not possible to take out third-party or hull insurance. It is not covered by the household contents insurance, which is why this insurance does not provide cover for, for example, damage to the hoverboard due to fire or theft. In addition, there are known cases of fire damage caused by a short circuit when charging the battery. If a fire is caused by such a short circuit, one is not insured for damage to the hoverboard (but to other household effects).
Before purchasing a segway, it is recommended to obtain information from the insurer whether this 'toy' is also covered by liability insurance. If that is not the case, it is better not to go on the road with the hoverboard. Then only use it on your own property.

If you have questions about liability or compensation for personal injury caused by a hoverboard, you can contact a personal injury expert. Because it is not only the technology surrounding hoverboarding that is in full swing, but also in the field of legislation and that of the insurance industry, consideration is being given to changes in policy with regard to hoverboard and similar 'carriages'.
If you would like information or advice about injury caused by a hoverboard, please contact Drost Letselschade without any obligation and free of charge.


Articles authored by  Official Hoverboards