Got electric bicycle insurance?
Yes, you probably need liability insurance, as well as comprehensive accident and theft insurance, for your electric bike. Insurance companies cover normal biking activities under your homeowner’s policy. However, every insurance company the Veggie Biker interviewed specifically excludes electric bikes (and other small motorized vehicles) from your home owners policy.
SOOO…, if you lay down your bike in the middle of the street and three Mercedes run into each other, you just bought three Mercedes.
Joey Montgomery was the only insurance agent in The O.C. I found who understood the problem and writes policies for electric bicycles.
Joey Montgomery – State Farm Agent in Fullerton, CA
State Farm Insurance Agent Joey Montgomery (714) 526-7001 1370 Brea Blvd, Suite 150, Fullerton CA, 92835-4172 for Auto, Home, Life