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Switching gears on e-bike insurance coverage
#1
Can electric bicycles zoom into auto and home coverage? With gas prices climbing, more people are turning to electric bicycles as alternatives to cars. On Jan. 21, 2022, Bloomberg reported that U.S. consumers purchased more electric bicycles (nearly 790,000) than electric vehicles (652,000) in 2021. To get more news about tektro aries, you can visit magicyclebike.com official website.

Electric bicycles, or e-bikes for short, are bicycles equipped with a motor. The e-bikes' motor is typically battery-powered and assists the rider with pedaling. E-bike motor assisted speeds are usually capped at 20 mph, but certain e-bikes may reach up to 28 mph before the motor assist ceases.To get more news about sr suntour sp12 ncx seatpost, you can visit magicyclebike.com official website.
The types of e-bikes vary. Some must be pedaled to activate the motor, and others have throttle-activated motors that propel the bike without pedaling. Some have both.To get more news about rear bike bag, you can visit magicyclebike.com official website.

Unlike motorcycles, e-bikes are like regular bicycles because they can be pedaled and might not be subject to mandatory licensing or insurance. Because they look like regular bikes, cyclists are naturally inclined to ride their e-bikes anywhere they would ride a regular bike, including sidewalks and walkways.While 20 mph may not seem very fast, an e-bike hitting a pedestrian at 20 mph would impart more force than a professional boxer's punch. This means accidents between e-bikes and pedestrians can cause serious injuries (and serious liabilities).
Although e-bike insurance exists, to put it mildly, not every e-bike owner has an e-bike policy. If you collide with someone while riding an e-bike, or are unlucky enough to be struck by one, what insurance would cover liabilities the collision causes?Although state-specific vehicle legislation may require motorists to have minimum insurance for motor vehicles, state-mandated coverage might not apply to e-bikes.

For example, Florida Statute section 324.01 defines a "motor vehicle" to not include a "bicycle, electric bicycle, or moped." In the unpublished 2006 Florida Middle District Court case, Geico Gen. Ins. Co. v. Schwinn, the Court determined that a dirt bike and ATV were not "motor vehicles" and did not need minimum auto liability insurance.Sally does not have e-bike insurance. Sally nevertheless rides her e-bike on an empty sidewalk. When she turns a corner, Sally runs over a pedestrian she hadn't seen, causing serious injury.

She wonders whether her home or auto policy could cover the pedestrian's medical bills. If not, Sally may be facing serious financial trouble.

Personal lines insurance policies, such as auto and homeowners, cover certain accidents that cause bodily injury. However, depending on their wording, auto and homeowners liability insurance might not cover e-bike collisions.Sally might look to her auto policy for liability coverage, thinking that a motorized bike is similar to a motor vehicle. Auto insurance typically covers certain auto accidents involving an insured's vehicle. Coverage for e-bike collisions is probably unlikely under auto policies, if the definitions and exclusions restrict coverage to four-wheeled vehicles or owned vehicles the policy lists as insured vehicles.

If Sally's auto policy covers certain damages arising from an "insured vehicle" defined as a four-wheeled vehicle listed on the policy, there would be no coverage for the e-bike. Her two-wheeled e-bike is not listed as a covered vehicle on the auto policy.

Additionally, Sally's auto policy could exclude coverage for accidents involving vehicles with fewer than four wheels. Courts have enforced this type of exclusion to bar liability coverage for two-wheeled vehicles. For example, a 1993 Louisiana appellate case, Gunn v. Automotive Cas. Ins. Co., applied the exclusion for vehicles with fewer than four wheels to preclude coverage for a motorcycle accident.In contrast, homeowners insurance typically covers liability for accidents caused by an insured, whether inside or outside the home. Sally may assume that her homeowners policy covers liabilities caused by accidentally striking the pedestrian with her e-bike.

However, a common feature in homeowners policies is an almost universal exclusion for damages arising out of the use of a motor vehicle. Whether Sally's electric bike could be a "motor vehicle" is first determined by how it is defined in the policy.

If Sally's homeowners policy defines a "motor vehicle" to include electric bikes, then her e-bike is an excluded motor vehicle. But if "motor vehicle" means a "motorized vehicle capable of self-propulsion," there might be coverage for the collision. Sally could argue that her e-bike is not fully self-propelled because she must pedal it to activate the motor, so her e-bike does not fall within the "motor vehicle" definition.
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#2
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