The Surly Big Easy is the Cadillac of the bike lane. The company’s new longtail e-cargo bike exudes a “they don’t make ’em like this anymore” stature, thanks to a beefed-up chromoly steel frame rolling on tough 26x2.5-inch tires. And because it’s a class 1 e-bike, you can actually ride it in the bike lane, too. The 7-foot-long, 67-pound bike won’t play well with your third-floor walk-up, so it’s best to think of it as a car supplement or replacement—that’s what Surly intended, anyway, as evidenced by the $5,000 price tag. However, if you’re ready to commit to the cargo bike life, you’ll struggle to find a stronger platform for achieving bike commuter nirvana.

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).
The Bulls Cross E8 Step-Thru is an urban bike—a bicycle often used as a primary mode of transportation for those who choose not to own a car. Priced at $3,099, it's solid and durable. The aluminum frame comes in three sizes (45cm, 50cm, and 53cm; I tested the latter). It's got an eight-speed Shimano shifter and a Shimano Deore CS-HG50 cassette. Shimano is a small change for me, as my XO2 uses the SRAM Rival Double Tap shifter, and I really like the action on that. It's got a front suspension with 63mm of travel for a smoother ride, along with Shimano hydraulic disc brakes. Cable runs are all internal, making for a cleaner-looking profile. Rack, fenders, and a headlight all come standard.
But if you're someone who loves riding, commutes to work on a bike, or has a gig that requires you to spend a lot of time in the saddle, you might want to look at electric bikes. You'll be able to go farther, faster, and expend less energy riding one. And if electric bikes are for you, look hard at the Cross E8 Step-Thru. It's an incredibly well-made, well-thought-out electric bike. Strip away the battery, motor, and computer, and you'd still be left with a really good cycle.

In summary, federal law trumps all States’ laws. That is true with bicycle law, too. States cannot constitutionally pass legislation that reduces or eliminates Federal laws, they can only pass legislation that enacts additional (tighter) restrictions on its people. States can’t define an ebike a bicycle if greater than 750W/20mph, nor can they define an ebike a motor vehicle if less than the Federal Government’s limit of 750 Watts and a top electric-powered speed of 20 MPH.3This is the Federal definition of a low speed electric bike, which equates it to a bicycle.
As of 2008 a standard class C license, proof of insurance, and registration (annual fee: $9.00) are required for operation of any motorized pedalcycle in Pennsylvania. Additionally, there are strict equipment standards that must be met for operation, including: handlebars, brakes, tires/wheels, electrical systems/lighting, mirrors, speedometer, and horns/warning devices.[127]
Electric Bicycles are defined by the California Vehicle Code [32][33]. In summary, electric bicycles are to be operated like conventional bicycles in California. There are several exceptions to this. A person must be at least 16 years old, and anyone riding an electric bicycle must wear a bicycle helmet. The e-bikes must have an electric motor that has a power output less than 1,000 watts, is incapable of propelling the device at a speed of more than 20 miles per hour on level ground, is incapable of further increasing the speed of the device when human power is used to propel the motorized bicycle faster than 20 miles per hour, operates in a manner so that the electric motor is disengaged or ceases to function when the brakes are applied, or operates in a manner such that the motor is engaged through a switch or mechanism that, when released, will cause the electric motor to disengage or cease to function.
Attitudes to electric bikes have changed in recent years. For a long time they were seen by cyclists as 'cheating' and by non-cyclists as being just like a bike, but uglier and far more expensive. This new breed of best-in-class electric bikes feel more natural, look more normal, and people are coming around to the idea that a ride with the convenience of a bike but without all the sweat and effort is a Very Good Thing. 
Massachusetts General Laws define three classes of motorized two-wheeled vehicles: Motorcycle, Motorized bicycle, and Motorized scooter.[98] Although the definition of motorized scooter includes two-wheeled vehicles propelled by electric motors with or without human power, motorized scooter specifically excludes anything which falls under the definitions of motorized bicycle and motorcycle. Motorized bicycle is a pedal bicycle which has a helper motor, or a non-pedal bicycle which has a motor, with a cylinder capacity not exceeding fifty cubic centimeters, an automatic transmission, and which is capable of a maximum speed of no more than thirty miles per hour. Motorcycle includes any bicycle with a motor or driving wheel attached, with the exception of vehicles that fall under the specific definition of motorized bicycle. Thus, a pedal bicycle with an electric motor or a non-pedal bicycle with an electric motor, automatic transmission, and maximum speed of 30 miles an hour would fall under the definition of motorized bicycle. An electric bicycle that did not meet those restrictions would be either a motorized scooter or motorcycle, depending on specific characteristics.
Torque sensors and power controls were developed in the late 1990s. For example, Takada Yutky of Japan filed a patent in 1997 for such a device. In 1992 Vector Services Limited offered and sold an e-bike dubbed Zike.[9] The bicycle included NiCd batteries that were built into a frame member and included an 850 g permanent-magnet motor. Despite the Zike, in 1992 hardly any commercial e-bikes were available.
Simple, convenient, cheap, and economical—bicycles are one of the world's favorite forms of transportation. But they're not for everyone. They can be hard to pedal up and down hills or with heavy loads, and elderly or disabled people may find them impossible to manage. In the last few years, a new generation of electric bicycles has begun to revolutionize our idea of environmentally friendly transportation. These new cycles have all the convenience of cars with all the simple economy of ordinary cycles. Let's take a closer look at how they work.