Common Bill.. It's [always] a rush [here] riding! You can borrow mine next time your on the Island..
Joking aside, if you are an absent minded or less than vigilant driver with no 2-wheel experience and really want to rent a vehicle, you would be well advised to go with 4 wheels, bumpers and seat belts, and then not only opt-in for insurance, but VERIFY they really have it.
So far, I've only had 2 some-what close calls on my scooter. If I hadn't been paying attention, it could have ended in a wreck, rather than my finger in the air and a few choice words..
You're on as long as you have a dirt moped.