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).
Vehicles with an electric power and power of less than 300W are classified as "not a motor vehicle". Such electric bicycles must comply with the same rules as bicycles. You must wear a helmet even on a scooter or bike under 300W. If the power is over 300W or a combustion engine is used it is a "low powered vehicle" and the moped rules apply. Specifically, a drivers license and registration are required.
When you have the electric motor turned on, it engages with your first push of the pedals. The difference in acceleration is startling compared to any other bike I've ridden. In Eco mode, I could sprint from 0 to 20mph in about 200 feet/65m. Switch to Turbo, and it's about 150/30m feet. As I mentioned above, you still have to pedal. The difference with an electric bike is the feeling of getting more bang for the buck. And if you want to be lazy, you can. Stay in third or fourth gear and you'll be able to stay around 18-19mph with minimal effort. But if you want to go much faster than 20mph, you'll need to work.
A lot has happened since we founded the very first eMTB specific magazine in 2013. In the beginning, manufacturers simply mounted electric motors on regular mountain bikes, more or more often than not, rather less successfully. Last year a lot of brands focused on the topic of battery integration. There are some exciting new trends and developments headed our way next season, which we take a closer look at below.

"Electric power-assisted bicycle" means a vehicle that travels on not more than three wheels in contact with the ground and is equipped with (i) pedals that allow propulsion by human power and (ii) an electric motor with an input of no more than 1,000 watts that reduces the pedal effort required of the rider. For the purposes of Chapter 8 of this title, an electric power-assisted bicycle shall be a vehicle when operated on a highway.[142]
By 2001 the terms, E-Bikes, power bike, pedelec, assisted bicycle and power-assisted bicycle where commonly used to describe electric bicycles. E-bike, according to Google, is a term that has increased in trend. This term generally referred to an electric bicycle which used a throttle. The terms Electric Motorbike or E-Motorbike have been used to describe more powerful models which attain up to 80 km/h.
On the other hand, the battery doesn’t lock into the bike, which means you can’t just leave it on your bike when you park at the bike rack. Anyone could walk by and simply remove your battery. That seems like an oversight to me, though perhaps the designers assumed that such a small battery would just be easy to take with you. And it is. My wife could probably lose this battery in her purse.
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