This is a personal insurance market!

An injury must be more serious than minor scrapes to resolve YES. Requires a fracture or a large amount of scrapes that take a while to heal.

I ride my electric unicycle to work every day (which is a 3-4 minute trip since it's close), and to other nearby places like restaurants.

I haven't had any accidents in the ~8 months I've had it so far.

Despite that, the base rate for accidents seems somewhat high given the traffic. I did fall from my electric skateboard last year and broke my collar bone.