Electric bicycle fits under the definition of "moped" under Kentucky law. You don't need tag or insurance, but you need a driver's license. "Moped" means either a motorized bicycle whose frame design may include one (1) or more horizontal crossbars supporting a fuel tank so long as it also has pedals, or a motorized bicycle with a step-through type frame which may or may not have pedals rated no more than two (2) brake horsepower, a cylinder capacity not exceeding fifty (50) cubic centimeters, an automatic transmission not requiring clutching or shifting by the operator after the drive system is engaged, and capable of a maximum speed of not more than thirty (30) miles per hour[94][95] Helmets are required.
Electric bicycles are not allowed in any public area, meaning an area where there is full or partial public access. Any kind of pedal assist, electric bike, scooter, moped or vehicle which has any form of propulsion, whether in full or as assist, other than human power, must be approved as either a car, motorcycle, van, truck, bus or similar. This makes pedelecs and tilt-controlled two-wheel personal vehicles illegal in all practical ways, as they cannot be registered as a motor cycle.[36]

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).
Some power-on-demand only e-bikes can hardly be confused with, let alone categorised as, bicycles. For example, the Noped is a term used by the Ministry of Transportation of Ontario for e-bikes which do not have pedals or in which the pedals have been removed from their motorised bicycle. These are better categorised as electric mopeds or electric motorcycles.
Many newer or smaller companies only design and market their products; the actual production is done by Asian companies. For example, some 60% of the world's bicycles are now being made in China. Despite this shift in production, as nations such as China and India become more wealthy, their own use of bicycles has declined due to the increasing affordability of cars and motorcycles.[102] One of the major reasons for the proliferation of Chinese-made bicycles in foreign markets is the lower cost of labor in China.[103]
Again, these are base level components here. The Shimano/TX55 gearing is fine for this application level but I have lost my chain a few times in a few weeks. The frame is surprisingly solid aluminum alloy which feels stiffer and lighter than last year’s Ancheer. The supplied front 10W light is very bright, however the back light is charged via USB and has a push button rather than being wired into the controller. The disc brakes are the same no-name brand as the Ancheer but appear to be a size bigger. The fork, while not amazing, is a big improvement in stiffness and give over the Ancheer’s, which scared me a bit.
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]
Perhaps the cleverest thing of all about the Electric Brompton is that despite all the extra stuff, it folds up exactly the same as the non-powered variety. It's so simple, and unlike certain folding bikes we could mention, what you're left with is a genuinely small thing, rather than something that's about the size of a bike with the front wheel taken off.