Mopeds not required to be insured

Ira Graves decided to invest in a moped because of the lack of public transportation that he says is available along the beach.

But he said there's another perk to a moped, "I chose it because of not having to pay that extra insurance."

Moped riders are on local roadways all year long, but they aren't considered to be a vehicle, therefore aren't required by the state to be insured.

And that could be a problem for some, said Master Corporal Shannon Toole with the Myrtle Beach Police Department.

"When you're not at fault, and you're involved in a collision with a moped, how do you get your vehicle repaired? Who do you hold accountable for those injuries, and the damage to your vehicle?," Toole asked.

Jessica Holladay with South Kings Scooters in Myrtle Beach rents mopeds to visitors. She said they aren't liable for damage done by renters. "We're not involved because we're limited liability," stated Holladay.

The responsibility falls on the moped rider who can be held accountable for whatever happens on the road.

Graves said he avoids certain roads because he doesn't have insurance.

"I know to stay off Kings Highway. I know, pretty much the locals, we try to stay safe with that so we don't have to end up in those situations," said Graves.

WPDE NewsChannel 15 reached out to two insurance companies asking them if they would insure a moped. One company said no, because it's not considered a motor vehicle, the other company said yes.

Earlier this year, lawmakers introduced legislation that would have required moped drivers to wear vests and only operate on roads with a speed limit 45 miles per hour or less. The bill died in the senate.