Is Your e-Bike Insured?
One HBC member, George Haverstraw, is looking into purchasing a pedal assist electric bike. They can be expensive so he checked with his homeowners insurance company to make sure it would be covered for theft and damage like any other bike. He was surprised to discover that his insurance company does not cover any bike with a motor, in spite of the fact that the e-bike meets the PA specifications for a bicycle. The insurance company would cover it as a moped at an additional cost.
E-bikes are a relatively new to the market and some insurance companies have not made the necessary changes to include them as bicycles. You may want to check with your insurance company to see what your coverage is.
In the meantime, George has contacted the PA Insurance Commission about the issue and will keep us informed about their response.