General Motors Auto Insurance
The secret weapon against high-dollar liabilities arising out of an accident involving an e-bike is the general liability protection umbrella policy. Annual premiums for a million-dollar general liability protection umbrella can be as low as around US$200.
Equipped with a small motor attachment on its back wheel, an electric bicycle weighs about 60 pounds and can reach speeds up to 30 miles per hour. That represents about half the weight of a moped and 65% of that vehicle’s top speed.
Most jurisdictions rule that an e-bike more closely resembles a conventional bicycle, while treating mopeds scooters as low-speed motorcycles. Licensed moped and scooter drivers can buy comprehensive motorcycle insurance. However, an e-biker in the United States cannot.
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