Before you download a scooter-sharing app and take a ride, it's a good idea to review the scooter company's terms of use. Some companies' terms state that the rider accepts all responsibility for injuries, expenses and even damage to the scooter itself (minus normal wear and tear).

That means if you're driving a scooter and get in an accident:

You may have to pay out of your own pocket to repair property damage to the scooter.
You may have to pay your own medical bills if you're injured. You may also be able to use your health insurance.
If you injure a pedestrian, you could be held liable for their medical expenses.
If you damage another person's property (like their car) with a scooter, you could be held liable for repairs.

Make sure you read the terms and conditions of the scooter-sharing service's user agreement, so you know your responsibility as a rider.