E-Bike Top 5 Coverage & Safety Tips: What to Know Before You
Whether it's commuting or just cruising, e-bikes are transforming the way we travel. With growing injury rates and unique insurance considerations, safe and informed riding has never been more important. Unlike a traditional bicycle, an e-bike is equipped with an electric motor that can assist the rider while pedaling. Some models can also be operated using a throttle without pedaling. Because e-bikes are considered motorized vehicles, they are excluded from homeowners' policies for both liability and physical damage coverage
Emergency room visits related to e-bike and scooter accidents have surged in recent years. Truveta data shows a 671% increase in injury-related ER visits among children and adolescents between 2023 and May 2026. Pediatric trauma centers now report that e-bikes are a leading cause of injury among school-aged children.
Education & Responsible Riding
If you have an e-bike or are thinking of buying, check state laws and city ordinances. State and local governments continue to evaluate regulations and ordinances aimed at improving safety. Many proposals include extensive educational initiatives involving:
- Schools
- Bike shops
- Community organizations
- Local law enforcement
The goal is to promote safe riding habits before meaningful enforcement measures are implemented. Here’s our top five tips to consider before hitting the road.
1. Obey Speed Limits
Riders must obey posted speed limits. On multi-use paths where no speed limit is posted, riders should generally limit their speed to 20 mph.
2. Follow Recommended Age Guidelines
The American Academy of Pediatrics (AAP) strongly recommends that children under age 16 should not operate or ride motorized electric scooters.
3. Wear a Helmet
Research published in JAMA Surgery indicates that riders without helmets are nearly twice as likely to suffer head injuries. Helmets should fit properly and provide adequate coverage for the majority of the skull.
4. Eliminate Distractions
Riders are often distracted by cell phones, music, or headphones while riding. There is also a lack of understanding of road rules, as younger operators may lack the experience necessary to navigate traffic, right of way yields, uneven pavement, potholes, or trail conditions safely.
5. Secure Your Investment
E-bikes represent a significant financial investment. To help prevent theft, make sure you have a quality lock and secure your e-bike to a fixed, permanent object. A homeowner's policy likely will not include coverage for your e-bike, so make sure you have proper insurance coverage. If you have questions about proper coverage for your e-bike, learn more about our Power Sports options and contact your local independent insurance agent.
