I'm wondering if renter's insurance will cover my eBike while I'm out cycling around town to work, shopping, or even on long distance eBike tours ….. And what exactly will the insurance cover … only the bicycle …. all of the extra features …. gadgets … gear ….. This beast will cost me around $9,500.00 (US) when finished. At times I will be carrying as much as $3,000.00+ worth of gear !!!
To operate a motorized/electric-assisted bicycle on the streets or highways a person must have a valid driver’s license or a motorized bicycle permit. A person under the age of 16 operating a motorized/electric-assisted bicycle under a motorized bicycle permit is subject to restrictions of no passengers (a parent or guardian my ride if the motorized/electric assisted bicycle is equipped with a seat and footrests for a passenger), no night driving, driving on any highway marked as an interstate, must wear a helmet, foot rests for passengers (if designed for passenger(s). A motorized bicycle permit is available to persons of at least 15 years of age who have passed the motorized bicycle test or passed a motorized bicycle course. A motorized bicycle would need the same coverage as a motorcycle would in this state. An electric-assisted bicycle would not need coverage.
The federal Consumer Product Safety Act defines a "low speed electric bicycle" as a two or three wheeled vehicle with fully operable pedals, a top speed when powered solely by the motor under 20 mph (32 km/h) and an electric motor that produces less than 750 W (1.01 hp). The Act authorizes the Consumer Product Safety Commission to protect people who ride low-speed electric vehicles by issuing necessary safety regulations. The rules for e-bikes on public roads, sidewalks, and pathways are under state jurisdiction, and vary.