As a lot of folks have, I have followed this for over a year now, and think it will be a very big seller in the very near future. All you have to do is look in any city park to see the next consumer base. Ten year olds on up (I see 3yos) riding scooters. These kids, when they start college will NEED cheap local transportation.
You watch the face of anybody riding it for the first time, and they are grins from ear to ear.
Insurance will fill the bill for the liability.
On the right and left coast, everybody is in a hurry, but I can assure you, that in flyover country, our less hurried mind set is custom made for the Segway. To ride to the store, unhurried, is to be desired.
I live in downtown Denver and I don't have a car. One of these things, legal on sidewalks, would be great!