My homeowners (State Farm) covers bikes , but assumes $500 per bike. They will add the bikes as personal property, but the premium is excessive (about $300/year per bike, and we have four bikes). I did increase our personal umbrella liability coverage, and it covers us if family members any sort of accident on our e-bikes that injures us or others or others' property, though only covers $500 each for our own bikes (under the homeowners coverage). It was not very expensive to increase the umbrella policy (as it resulted also in a reduced rate on our car insurance).
Generally they are considered vehicles (like motorcycles and pedal cycles), so are subject to the same rules of the road. Regulations may define maximum power output and for electric bikes may or may not require an interlock to prevent use of power when the rider is not pedaling. In some cases regulatory requirements have been complicated by lobbying in respect of the Segway HT.
Artwork: Hub motors aren't the only way to power electric bicycle wheels. If you've ever watched a mouse scampering around inside an exercise wheel, you might have wondered if you could drive a wheel electrically, in a similar way, with something that pushes against the inside of the rim. A company called GeoOrbital has been developing an ingenious mechanical equivalent that can be used to power conventional bikes—and here's a simplified illustration of how it works. It has a motorized drive roller (red) that presses against the inner rim, powered by a battery pack (orange) that sits snugly inside the wheel. Two guide rollers (blue) mounted on a tensioned framework (green) take the place of the conventional arrangement of spokes. According to GeoOrbital, you can fit one of its wheels to a normal bike in just 60 seconds.

Since cyclists' legs are most efficient over a narrow range of pedaling speeds, or cadence, a variable gear ratio helps a cyclist to maintain an optimum pedalling speed while covering varied terrain. Some, mainly utility, bicycles use hub gears with between 3 and 14 ratios, but most use the generally more efficient dérailleur system, by which the chain is moved between different cogs called chainrings and sprockets in order to select a ratio. A dérailleur system normally has two dérailleurs, or mechs, one at the front to select the chainring and another at the back to select the sprocket. Most bikes have two or three chainrings, and from 5 to 11 sprockets on the back, with the number of theoretical gears calculated by multiplying front by back. In reality, many gears overlap or require the chain to run diagonally, so the number of usable gears is fewer.
"Bicycles" and "Electric Bicycles" are legally defined in the Texas Transportation Code Chapter 551., titled "Operation of Bicycles, Mopeds, and Play Vehicles" in Subchapter A, B, C, and D.[58] The following definition of electric bicycle was passed by the Texas legislature in 2001. "Electric bicycle" means a bicycle that is designed to be propelled by an electric motor, exclusively or in combination with the application of human power, cannot attain a speed of more than 20 miles per hour without the application of human power; and does not exceed a weight of 100 pounds. The department or a local authority may not prohibit the use of an electric bicycle[0] on a highway that is used primarily by motor vehicles. The department or a local authority may prohibit the use of an electric bicycle[0] on a highway used primarily by pedestrians.

Under New Jersey law a motorized bicycle is "a pedal bicycle having a helper motor characterized in that either the maximum piston displacement is less than 50 cc, the motor is rated at no more than 1.5 brake horsepower, or it is powered by an electric drive motor and the bicycle is capable of a maximum speed of no more than 25 miles per hour on a flat surface."[107] This would include E-bikes, meaning they must be titled and registered. However, only Mopeds approved by Motor Vehicle Services can be titled and registered.
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On the other hand, the battery doesn’t lock into the bike, which means you can’t just leave it on your bike when you park at the bike rack. Anyone could walk by and simply remove your battery. That seems like an oversight to me, though perhaps the designers assumed that such a small battery would just be easy to take with you. And it is. My wife could probably lose this battery in her purse.
Range is a key consideration with e-bikes, and is affected by factors such as motor efficiency, battery capacity, efficiency of the driving electronics, aerodynamics, hills and weight of the bike and rider.[36][37] Some manufacturers, such as the Canadian BionX or American Vintage Electric Bikes,[38] have the option of using regenerative braking, the motor acts as a generator to slow the bike down prior to the brake pads engaging.[39] This is useful for extending the range and the life of brake pads and wheel rims. There are also experiments using fuel cells. e.g. the PHB. Some experiments have also been undertaken with super capacitors to supplement or replace batteries for cars and some SUVS. E-bikes developed in Switzerland in the late 1980s for the Tour de Sol solar vehicle race came with solar charging stations but these were later fixed on roofs and connected so as to feed into the electric mains.[40] The bicycles were then charged from the mains, as is common today. While ebike batteries were produced mainly by bigger companies in past, many small to medium companies have started using innovative new methods for creating more durable batteries. State of the art, custom built automated precision CNC spot welding machines[41] created 18650 battery packs[42] are commonly used among Do-it-yourself ebike makers.
The "Dandy horse", also called Draisienne or Laufmaschine, was the first human means of transport to use only two wheels in tandem and was invented by the German Baron Karl von Drais. It is regarded as the modern bicycle's forerunner; Drais introduced it to the public in Mannheim in summer 1817 and in Paris in 1818.[18][19] Its rider sat astride a wooden frame supported by two in-line wheels and pushed the vehicle along with his or her feet while steering the front wheel.[18]
Riding position: You also may wish to check out an e-bike’s riding position before investing in it. For short trips, the riding position might not make much difference, but for long journeys, the upright "Dutch" style with pulled-back handlebars is very comfortable – particularly for tall riders. The same goes for mountain bike styles, though these bikes are not often designed to actually go off-road.
If you want an e-bike that positively sprays tech out you, try the Volt Axis on for size. It takes the GoCycle GS's combo of folding, lightweight frame and disk brakes and adds automatic gears, if you please. These react to your speed and pedalling effort. So you automatically gear down when you stop at traffic lights – although what self-respecting cyclist does that? – and then back up as you accelerate.

Are there any guidelines you could give on what is legal in Federal Parks that have duel use pedestrian and bike paths. I was recently told that E bikes are not allowed on a Federal trail even though much faster 10 and 20 speed bicycles are common. I also stated that I have a disability which prevents me from walking or biking very far but was still told my bike was not allowed. I should also add that my bike has a top speed of about 15 and is 250 watts.
The Shift S1 isn’t going to blow anyone away with amazing performance, but it is peppy enough to have a lot of fun on. And if you mostly travel by rideshares like Uber or scootershares like Bird, you can probably pay for the S1 after just a few months of cutting out app-based transportation. It’s hard to ask for too much more from such an inexpensive e-bike.
The other shout-out goes to Paul Bogaert who decided to close the Bike Doctor after 27 years and instead cycle tour the world with his wife. Paul had an early role in Vancouver bicycle advocacy and at bringing cycle riding to a less elitist/athletic and more everyday commuter crowd through their shop.  They were among the early shops to embrace family friendly cargo bikes and  appreciated the role that electric would play in making cycling more broadly appealing.
Under the statute, mopeds must be registered. To be registered under Hawaii law a moped must bear a certification label from the manufacturer stating that it complies with federal motor vehicle safety standards (FMVSS). A moped must also possess the following equipment approved by the D.O.T. under Chapter 91: approved braking, fuel, and exhaust system components; approved steering system and handlebars; wheel rims; fenders; a guard or protective covering for drive belts, chains and rotating components; seat or saddle; lamps and reflectors; equipment controls; speedometer; retracting support stand; horn; and identification markings.
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The $3,099 MSRP is a bit daunting if you've not shopped for high-end bikes before, but it compares favorably with, say, Trek's electric bike lineup. That said, you can get a solid urban/commuter bike without a motor for well under $1,000. You can even score an e-bike for under a grand, but you'll likely be looking at a battery range of less than 40 miles, along with lower-quality components.
"Electric power-assisted bicycle" means a vehicle that travels on not more than three wheels in contact with the ground and is equipped with (i) pedals that allow propulsion by human power and (ii) an electric motor with an input of no more than 1,000 watts that reduces the pedal effort required of the rider. For the purposes of Chapter 8 of this title, an electric power-assisted bicycle shall be a vehicle when operated on a highway.[142]
Despite the illegal status in the state of New York, enforcement of this law varies at the local level. New York City enforces the bike ban with fines and vehicle confiscation for throttle activated electric bikes.[113] However, Mayor Bill de Blasio has recently changed the city's official policy to legalize pedal-assist electric bikes that have a maximum speed limited to 20 mph. [114] Contrarily, Tompkins County supports electric bike usage, even providing grant money to fund electric bike share/rental projects.[115]
When you have the electric motor turned on, it engages with your first push of the pedals. The difference in acceleration is startling compared to any other bike I've ridden. In Eco mode, I could sprint from 0 to 20mph in about 200 feet/65m. Switch to Turbo, and it's about 150/30m feet. As I mentioned above, you still have to pedal. The difference with an electric bike is the feeling of getting more bang for the buck. And if you want to be lazy, you can. Stay in third or fourth gear and you'll be able to stay around 18-19mph with minimal effort. But if you want to go much faster than 20mph, you'll need to work.
"Bicycles" and "Electric Bicycles" are legally defined in the Texas Transportation Code Chapter 551., titled "Operation of Bicycles, Mopeds, and Play Vehicles" in Subchapter A, B, C, and D.[58] The following definition of electric bicycle was passed by the Texas legislature in 2001. "Electric bicycle" means a bicycle that is designed to be propelled by an electric motor, exclusively or in combination with the application of human power, cannot attain a speed of more than 20 miles per hour without the application of human power; and does not exceed a weight of 100 pounds. The department or a local authority may not prohibit the use of an electric bicycle[0] on a highway that is used primarily by motor vehicles. The department or a local authority may prohibit the use of an electric bicycle[0] on a highway used primarily by pedestrians.
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