The past twelve months have seen a veritable boom in e-scooters in Swiss cities among young and old alike. What many people do not know is that traffic rules also apply to e-scooters. We explain and show how you are insured in the event of a claim.
You have an important meeting today, but you've been dawdling and are now pressed for time. It would take you 15 minutes to walk to the bus stop. By a stroke of luck, there's a rental e-scooter standing ready right beside the front door.
In your hurry, you rashly cut a few corners and ride over the sidewalk – and that's when it happens. You didn't see the elderly lady approaching clutching an expensive vase, and even less did you see the consequences of riding so fast. The vase is shattered to pieces. Luckily, the lady is unhurt. But who is liable to pay her compensation for the broken vase?
But there is a catch in our scenario: Liability insurance will cover any damage caused. But recourse may be had against the rider because he or she disregarded the traffic laws by mounting the sidewalk. There are also rules in place for riding e-scooters. In Switzerland, they are basically the same as for cyclists:
Riding on the sidewalk in a pedestrian zone or on a footpath
|Ignoring pedestrians' right of way||CHF 30|
|Riding without lights on a road that is lit at night||CHF 40|
|Riding without lights on a road that is not lit at night||CHF 60|
|Riding without lights in a lit tunnel||CHF 20|
|Not using the cycle path/cycle lane (if available)||CHF 30|