To the editor: My spouse and I are avid senior cyclists and each personal class 1 e-bikes.
Our understanding is a class1 e-bike is outlined as a bicycle geared up with a motor that gives help solely when the rider is pedaling, and that ceases to offer help when the e-bike reaches 20 mph. The motor cuts out and there’s no extra help.
A latest Eagle article focuses on the rules as to make use of and the place one can trip an e-bike.
Other than the complicated rules as to the place one can trip an e-bike, an proprietor of 1 or somebody who’s considering of shopping for one additionally must be involved about legal responsibility, just like auto legal responsibility insurance coverage.
We came upon that our insurance coverage service the place we’ve our house house owners’, auto and umbrella insurance policies, doesn’t insure e-bikes for legal responsibility or theft beneath our auto legal responsibility or house proprietor coverage. (An everyday bike is roofed beneath your own home house owners coverage.)
Our agent informed us the auto and residential proprietor carriers in Massachusetts are doing the identical — not insuring e-bikes. E-bikes are thought-about by the insurance coverage firms to be motorized autos, not bicycles.
What this meant to us was we had no insurance coverage to guard us if, for instance, we hit a pedestrian or had an intersection collision and have been sued; our service wouldn’t defend us, and would pay no damages.
We needed to discover one other legal responsibility insurance coverage service who insures bikes and e-bikes to cowl our e-bikes like our autos.
We advise that each one who’ve e-bikes, or plan on shopping for one, ought to contact their insurance coverage agent to confirm in the event that they do or wouldn’t have legal responsibility and harm protection, as beneath your auto or house proprietor insurance policies, and whether or not the insurance coverage service will defend and canopy you for legal responsibility and harm within the occasion of an accident.
We love our e-bikes. Sure, it’s an added expense, however are you able to afford to depart house to e-bike with out legal responsibility insurance coverage?
Bob Rosen and Diane Saunders, Otis