I would add that the point of the article seems to encourage ebikers to “know the state laws” and be confident within those boundaries. To D McCarthy’s question, if your state has a definition for ebikes and classifies them as bicycles and affords access as bicycles, AND, your particular ebike is built within those specifications, then you should be able to ride that section of road with confidence. Just my 2C.
Hi Levi, I’m not super familiar with Minnesota or the age limits on ebikes but Pedego just launched one specifically for younger riders (it goes a little slower). Many ebikes let you program a top speed and I feel like this is one area where you can decide as a parent. When I was 13 I had a moped and fixed up a goped with my Grandpa on his farm so… I guess it might be a family decision?
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).

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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 federal law will not prohibit a motor vehicle label and additional restrictions given by the state. States will typically define e-mopeds in the 1000W range (1.5 hp) and speeds attainable to 30mph, and include a few requirements such as a helmet, eye protection, and a driver’s license. States may also require title, registration, and insurance for mopeds.
Parliament has decided to approve the speed pedelec – a type of super electric bike that can reach speeds of up to 45 km/hour – for riding on cycle paths. Danish Parliament has decided that as of July 1 2018 those operating the super bikes only need to have turned 15 and wear a helmet, while the licence and number-plate demands will no longer be in play. [38] 
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