A gray area is insurance for cyclists and scooter riders. I have been told that my renter's insurance covers scooter accidents, but I'm not so sure. I won't cal

A gray area is insurance for cyclists and scooter riders. I have been told that my renter's insurance covers scooter accidents, but I'm not so sure. I won't call my insurance agency, because every time I've done that, they scream denials and repudiate the policy I show them (which was watermarked "SAMPLE" anyway) and generally do CYA things. Lesson: Insurance Agencies aren't the ones who will tell you whether [poorly-specified future hypothetical event] would be covered.