Electric Bikes and Insurance

[J.R.]

Good in-depth and informative article about insurance and ebiking. It's not just about theft or damage recovery.

Electric Bikes and Insurance | Bike Law

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[J.R.]

2023 Edit; this list of best insurance updates every year.

Insurance

Learn about insurance providers and insurance types including life, auto, home, health, and more. Browse Investopedia’s expert-written library to learn more.

www.investopedia.com

 

[Law]

My two cents here as I have some legal experience with 25 years of claims. I believe the solution is very simple. Have your insurance company insure your bike as a moped and that will cure any defenses that they have as to exclusion.

This way they can also apply your car insurance limits and add med pay.

I pay 400$ year for 7 figure coverage and agreed value of what I paid for bike last year Thru CincinnatI, a great insurer.

 

[mjeds]

My two cents here as I have some legal experience with 25 years of claims. I believe the solution is very simple. Have your insurance company insure your bike as a moped and that will cure any defenses that they have as to exclusion.

This way they can also apply your car insurance limits and add med pay.

I pay 400$ year for 7 figure coverage and agreed value of what I paid for bike last year Thru CincinnatI, a great insurer.

agreed I have my e-bikes covered this way,, only problem is in CA to get the coverage you have to register the bike with the DMV as a moped, one time $23 fee, but the insurance (state farm in my case) will not cover the bike if it is not properly registered with the state dmv.

both of my e-bikes are class-2 so technically they don't need to be registered according to DMV, however my local office was more than helpful in registering them after they figured out how.

 

[retiredNH]

Here in New Hampshire, it seems an ebike can't be registered as a moped because mopeds must have an automatic transmission! The law here is a mess right now, with conflicting definitions. Makes insurance by normal routes impossible.

 

[J.R.]

Seems many states won't allow a person to register anything without a VIN number. I have heard that some state's DMV have a more creative workaround by using the stamped in serial number as a VIN.

 

[mjeds]

Seems many states won't allow a person to register anything without a VIN number. I have heard that some state's DMV have a more creative workaround by using the stamped in serial number as a VIN.

Yeah CA has an e-bike law passed in 2017 that makes the serial number and motor serial number the requirement.

 

[catseye]

My two cents here as I have some legal experience with 25 years of claims. I believe the solution is very simple. Have your insurance company insure your bike as a moped and that will cure any defenses that they have as to exclusion.

This way they can also apply your car insurance limits and add med pay.

I pay 400$ year for 7 figure coverage and agreed value of what I paid for bike last year Thru CincinnatI, a great insurer.

with 25 years of claims, you shouldnt be allowed to ride....

 

[fooferdoggie]

one thing I liked about veloinsurance is the roadside service. of course the one time I needed it I could not find the contact info. I could not afford both bikes on it right now so I got AAA it has bike pickup for 120 a year. great for the tandem.