You can always go directly through the insurance company for the at-fault driver.  There is normally plenty of property damage coverage to pay for the replacement of the scooter or the repairs.  If your scooter is insured and you want your own company to handle the property damage, you must carry comp and collision auto insurance.  This is different from property damage (which covers damage that you cause to another).  Be aware that if you get your property damage handled by your own company, you will have to pay a deductible (usually $500) and then hope that your insurance company can recover it for you.