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).
Electric-assist and other "motorized bicycles" do not need to be inspected, do not require a license, and do not require registration. The vehicle must meet all of the following criteria: a post mounted seat for each person it is designed to carry, two or three wheels which contact the ground, fully operative pedals, wheels at least 16 inches in diameter and a motor not capable of propelling the device at more than 20 mph on level ground. The driver does not need a license, but must be at least 16 years old. DC law prohibits motorized bicycles from traveling anywhere on the sidewalk or in the bike lanes. DC Regulation 18-1201.18 provides: "Except as otherwise permitted for a motor vehicle, no person shall operate a motorized bicycle on any sidewalk or any off-street bikepath or bicycle route within the District. This prohibition shall apply even though the motorized bicycle is being operated solely by human power." So, if cars are prohibited in a particular place, motor-assisted bikes are also prohibited.
During the course of its evolution, the Specialized Levo has helped shape the world of eMTBing. When it was introduced, it set the benchmark in riding dynamics and integration. Now Specialized has completely redesigned the bike and put it on 29″ wheels. The integration has been improved yet again, the battery capacity has been increased and the handling has been refined. We were thrilled with our first test ride. Anyone looking for a new bike next year for maximum trail performance should definitely take a closer look at the new Levo! We’re already looking forward to our big group test of the best bikes of 2019 early next year.
The Freedom’s motor is more powerful than the VanMoof Electrified S — 350w vs 250w — but the VanMoof is technologically superior, with touch-sensitive display, enhanced security system, and an “invisible” lock built right into the rear hub. The Dutch-made bikes are also more expensive: VanMoof’s Electrified X2 and S2 list for a discounted $2,598, while Wing’s e-bikes are available now for an “early bird” price of $1,295; if you order later, it’ll cost $1,695 — which is still almost $900 less than the VanMoof.
Electric bikes advertise with a huge array of varying ranges, but what is the dominant factor is range? Electric bike range is determined by the battery, and just like other lithium battery products like laptops and cell phones the batteries performance can fluxuate based on a variety of external factors. Extreme cold, rider weight, head winds, hills, rough terrain, tire pressure and many other factors. But since we need to start somewhere to get the general range that a battery can produce there is baseline that we can reference to get a good indicator of range. Take a look at...
To qualify as an electric-assisted bicycle under state law they need to have a seat and fully operable pedals for human propulsion, meet federal motor vehicle safety standards, an electric motor that has a power output of not more than 1,000 watts, maximum speed of not more than 20 mph (electric motor and human power combined), disengages or ceases to function when the vehicle’s brakes are applied, two or three wheels
The basic shape and configuration of a typical upright or "safety bicycle", has changed little since the first chain-driven model was developed around 1885. However, many details have been improved, especially since the advent of modern materials and computer-aided design. These have allowed for a proliferation of specialized designs for many types of cycling.
Most consumers want an e-bike that will accommodate its motor without being too cumbersome and will remain stable in spite of its electronic components. Some consumers want only the most basic of e-bike features, including lights, a cargo rack/basket, and a water bottle holder. Others are focused more heavily on safety features, such as brake type. And still others are concerned with convenience and portability.
I have been able to find ebikes of all speeds out in the wild and after years of riding and a reflective posture for the law, I see that lawmakers were thinking less about me and my practical wants as the user, and more about the mass motor vehicle driving public, their perceptions and expectations of ‘typical bicycle speeds’ on the roads and paths. So the laws were made to bicycle NORMS, not the potential performance limits for users.
The bicycle's invention has had an enormous effect on society, both in terms of culture and of advancing modern industrial methods. Several components that eventually played a key role in the development of the automobile were initially invented for use in the bicycle, including ball bearings, pneumatic tires, chain-driven sprockets and tension-spoked wheels.
The batteries are the most important parts of the bike, because (if you don't do any pedaling) they contain all the power that will drive you along. Typical electric bike batteries make about 350–500 W of power (that's about 35–50 volts and 10 amps), which is about a quarter as much as you need to drive an electric toaster. In theory, you could use any kind of battery on a bicycle. In practice, however, you want to use something that stores lots of power without being too heavy—or you'll be using half your power just moving the battery along! That tends to rule out heavy lead-acid batteries like the ones that start cars, though some electric bikes do use them. Lightweight lithium-ion batteries, similar to those used in laptop computers, mobile (cellular) phones, and MP3 players, are now the most popular choice, though they're more expensive than older rechargeable battery technologies such as nickel-cadmium ("nicad"). Typical batteries will give your bicycle a range of 10–40 miles between charges (depending on the terrain) and a top speed of 10–20 mph (which is about the maximum most countries allow for these vehicles by law). You can extend the range by pedaling or free-wheeling some of the time.
J. K. Starley's company became the Rover Cycle Company Ltd. in the late 1890s, and then simply the Rover Company when it started making cars. Morris Motors Limited (in Oxford) and Škoda also began in the bicycle business, as did the Wright brothers. Alistair Craig, whose company eventually emerged to become the engine manufacturers Ailsa Craig, also started from manufacturing bicycles, in Glasgow in March 1885.
It appears Tennessee has not passed any legislation that applies to electric bicycles. Some people think the laws pertaining to a Motorized Bicycle should be used for an electric bicycle. However, a Motorized bicycle would be a gasoline powered device per state law as it is defined as "means a vehicle with two (2) or three (3) wheels, an automatic transmission, and a motor with a cylinder capacity not exceeding fifty cubic centimeters (50cc) which produces no more than two (2) brake horsepower and is capable of propelling the vehicle at a maximum design speed of no more than thirty miles per hour (30 mph) on level ground." 
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.
The Ohio Revised Code 4511.01  distinguishes motorized bicycles and mopeds from motorcycles or scooters by describing them as "...any vehicle having either two tandem wheels or one wheel in the front and two wheels in the rear, that is capable of being pedaled and is equipped with a helper motor of not more than fifty cubic centimeters piston displacement that produces no more than one brake horsepower and is capable of propelling the vehicle at a speed of no greater than twenty miles per hour on a level surface." One brake horsepower converts to 0.75 kW, or (rounded) 750W. Thus, a bicycle with an electric helper motor operating under 750W, and not propelling the bicycle over 20 mph, does not qualify to be registered under Ohio state law. Local jurisdictions may have other regulations.
Bicycle manufacturing proved to be a training ground for other industries and led to the development of advanced metalworking techniques, both for the frames themselves and for special components such as ball bearings, washers, and sprockets. These techniques later enabled skilled metalworkers and mechanics to develop the components used in early automobiles and aircraft.
There is a lot of information on the internet about electric bikes. Hopefully you have found lots of useful information right here, on this website. Based on this information, you may already have a preference for a specific electric bicycle and / or (technical) components. Your friends that ride e-bikes can also advise you based on their own experiences. But there is only one way you will know if you really make the right choice: take a test drive. During a test drive you will discover how close the riding experience is to your expectations.
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.
Bicycle brakes may be rim brakes, in which friction pads are compressed against the wheel rims; hub brakes, where the mechanism is contained within the wheel hub, or disc brakes, where pads act on a rotor attached to the hub. Most road bicycles use rim brakes, but some use disk brakes. Disc brakes are more common for mountain bikes, tandems and recumbent bicycles than on other types of bicycles, due to their increased power, coupled with an increased weight and complexity.
In Norway, e-bikes are classified as ordinary bicycles, according to the Vehicle Regulation (kjøretøyforskriften) § 4-1, 5g. Hence, e-bikes are not registered in the Vehicle Registry, and there is no demand for a license to drive them. Still, there are constraints on the bicycle construction. The maximum nominal motor power output can be no more than 250 watts and the maximum performance speed of the vehicle when the engine is running is 25 km per hour (15 mph). A function that reduces motor power when vehicle speed exceeds 25 km per hour is mandatory. However, if the motor is not running, the e-bike, or any other bike, answer only to the constraints of the ordinary speed limits.