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It is a personal choice whether or not to carry liability insurance on your e-bike. In this crazy world where there are so many lawsuits being brought for pain and suffering, it makes sense to me to protect yourself by having an appropriate amount of liability insurance. In my situation I pay...

If you have any questions regarding what your policy covers, ask your agent and get the answers in writing. In my situation, the agent had my ebike insured under my homeowners policy which was not correct. If I had a claim, my insurance company would have denied it!

Probably slim. However, being involved in an automobile accident is also unlikely. Having your house catch on fire is not very likely. However, they are also possible. That is why we have insurance.....to protect us against a moment where we have a lapse of judgement and do something negligent.

If you are riding your ebike (or any bicycle) and strike a pedestrian, and are found to be negligent, and the pedestrian is permanently disabled, most likely you will be sued. If you have no liability coverage, and are found guilty of negligence, you will have to pay the judgement against you...

My insurance company (Auto-Owners Michigan) requires that my ebike be insured under my auto policy. Originally it was insured under my homeowners insurance. I read in this forum where the owner of a Class 2 bike had his bike stolen. When he filed a claim the insurance company denied his claim...

The "auto" policy describes my e-bike in two ways. 1. "Trek Allant E Bike and in a footnote - 2. Moped, Motorscooter 1 - 100cc. I have told my agent and the company that my ebike is not a moped (with a 100cc engine) but they have not backed down on my objections. As to the price, I dropped the...

I have not had my bike stolen. This thread was started by a guy in California who had a Class 2 bike that was stolen and the company that he was with denied coverage under his renters policy. After I read about his plight I decided to double check what my coverage is. My e-bike was originally...

There is nothing better than merino wool. Expensive though unless you can find on eBay or Marketplace. All of my wool is from iBex which went out of business. They have since reopened but have less than half of a selection than before. Their wool is washable and you can put it in the dryer. I...

I just went through a long process of reviewing insurance coverage for my Class 3 bike with my agent and the company insurance underwriter. My insurance company (Auto-Owners Michigan) has finally decided that my e-bike must be insured on my auto policy as they consider it to be similar to a...

Michigan has a three foot passing law. Efforts are underway by the bicycle community to change that to five feet. Many communities have enacted their own five foot ordinances. https://www.michigan.gov/msp/0,4643,7-123-72297_64773_22760-356422--,00.html...

After several discussions with my insurance agent and the company underwriter, they continue to insist that the ebike must be insured under my automotive policy as a moped. I lowered the value of the ebike from $6k to $4k to lessen the annual premium ($175.73). I also took all the medical...

Hello! In my opinion, going from a 11-32 to a 11-34 or 11-36 will not make much of a difference. I live in Michigan and the area I am in has a lot of 10-15% grades which are nearly impossible to climb with standard gearing. At 78 years, and with both knees bone on bone I have had to custom...

So, The insurance company has communicated to me that the annual premium will be $309.48. It appears that they have classified my ebike as a moped because of the potential to pedal the bike up to 28 m.p.h. I have complained to this insurance company as to what they have charged to insure my...

Hello! I am in Michigan. Our winter has been very mild so far. Coldest day ridden in December was 15 degrees F (-9C). I rode19 miles that day. When the ride was over, the statistics were; Remaining battery distance was 27 miles with 46% battery remaining. I have not had any issues with...

There are various ways to lock the rack and bike to your vehicle. None are foolproof for a determined thief. It is always a good idea to take the battery off the bike when putting it on a rack or leaving the bike outdoors at night. Some models have issues with the battery coming unlatched. I...

A copy of the email is stapled to my auto policy. I am now waiting for the premium........

Just a heads up to my recent post. I sent a confirming email to my agent who then had several conversations with underwriters at the insurance company I am with (Auto Owners). They have decided that my E-bike will now be insured under my auto policy instead of my homeowners. I will have $100...

Auto Owners rated A++ (Superior) by AM Best, with headquarters in Lansing, Michigan. They have been in business since 1916. https://www.auto-owners.com/

Yakima makes a rack with a ramp. It is called On Ramp. MSRP is $999 but can be purchased at Amazon for $650 and a few other sites like Backcountry, etc. I have this rack for my Allant+ 8s and it works just fine. Loading an 80 pound bike by just lifting it on to the rack is out of the...