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).
If you're taking your bike inside, consider one that folds up. The Cyclotricity Wallet has a motor in the front wheel, which takes you up to speed either by assisting your pedalling, or you can sit back and use the throttle by itself. Its folding design makes it slightly easier to get in and out of a building, but its hefty weight means you still won't find it easy to carry onto public transport.
Another type of electric assist motor, often referred to as the mid-drive system, is increasing in popularity. With this system, the electric motor is not built into the wheel but is usually mounted near (often under) the bottom bracket shell. In more typical configurations, a cog or wheel on the motor drives a belt or chain that engages with a pulley or sprocket fixed to one of the arms of the bicycle's crankset. Thus the propulsion is provided at the pedals rather than at the wheel, being eventually applied to the wheel via the bicycle's standard drive train.
^ Consumer Product Safety Act, Pub. L. 107–319, December 4, 2002; codified at 15 U.S.C. 2085(b): The CPSC regulations do not differentiate between commercially manufactured low speed electric bicycles and those converted from ordinary bicycles by their owners using an aftermarket electric motor and battery kit, nor do they regulate the construction of electric-power bicycles using owner-built or sourced components.
Further innovations increased comfort and ushered in a second bicycle craze, the 1890s Golden Age of Bicycles. In 1888, Scotsman John Boyd Dunlop introduced the first practical pneumatic tire, which soon became universal. Willie Hume demonstrated the supremacy of Dunlop's tyres in 1889, winning the tyre's first-ever races in Ireland and then England. Soon after, the rear freewheel was developed, enabling the rider to coast. This refinement led to the 1890s invention of coaster brakes. Dérailleur gears and hand-operated Bowden cable-pull brakes were also developed during these years, but were only slowly adopted by casual riders.
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
Motor-driven cycles may be operated on the roadway without registration, but the operator must have a driver's license. The cycle may not be operated on any sidewalk, limited access highway or turnpike. If the maximum speed of the cycle is less than the speed limit of the road, the cycle must operate in the right hand lane available for traffic or upon a usable shoulder on the right side of the road unless the operator is making a left turn.
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.