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Depending on whom you ask, they’re a scourge, invading the streets of decent cities around the country, or they’re a transportation revolution removing the “last mile” hurdle to using public transit and taking polluting cars off the road.

E-scooters have caused rage in San Francisco (which only recently allowed them back on the roads) and a legal tiff in Santa Monica. Now they’re set to hit the streets of Sacramento.

No matter how you feel about scooters, they often look a lot like lawsuits waiting to happen: People whizzing down the street in the opposite direction of traffic without helmets, jolting over potholes, sometimes thudding up onto the sidewalks and back down again.

I asked Thom Rickert, an emerging risks specialist with Trident Public Risk Solutions, which insures governments and other public entities, for his thoughts. Electronic scooters, he said, are part of an emerging realm of the share economy: the complicated liability economy.