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E-bikes and Insurance [Video]

Posted by Scott Stueber on Jul 2, 2019 9:00:00 AM

E-bikes explainedDo you remember your first bike? I remember mine very vividly. My neighbor and I had matching his and her bikes. I also remember many bike trips to my grandmother’s house.

If you live in a big city, biking may still be a part of your life. Depending on traffic, biking may be a quicker alternative to get to work. In addition, many communities are adding bike trails which offer a great way to get out for a ride with your entire family.

Biking is a great way to improve your health, save wear and tear on your car, and reduce emissions.

If you’re in the market for a new bike you may want to consider buying an e-bike. While e-bikes are more expensive, they’re gaining in popularity and offer many benefits.

What’s an e-bike?

An e-bike is a bicycle with an electric motor. It’s another option for anybody that enjoys riding. A common misconception is that an e-bike is like a scooter or a motorcycle. All you have to do is jump on and go. With a power assist e-bike, you must pedal which still allows for a great workout. Power assist e-bikes allow you to travel further distances, climb hills in an easier manner, and reduce muscle soreness.

Are all e-bikes created equal?

There three classes classes of e-bikes. They are:

1. Class one – Pedal-assist up to 20 mph.

2. Class two – Found more often online, these bikes are pedal-assist with an electric throttle up to 20 mph.

3. Class three – Higher-end or performance type bikes, such as mountain bikes, that are pedal-assist only up to 28 mph.

Are e-bikes regulated?

E-bikes are regulated, but regulation can vary by state or municipality. Check with your local laws and abide by them.

What bike equipment do I need for an e-bike?

Like with any sport or hobby, the proper equipment is important. Here’s some equipment you should have no matter what type of bike you ride.

  • Helmet
  • Mirror
  • Bell or horn
  • Lights
  • Bright clothing

Are e-bikes covered by insurance?

A West Bend policy automatically provides coverage if you buy an e-bike that goes 20 mph or less. If you buy an e-bike that goes faster than 20 mph, you’ll need to talk to your independent agent to have it added to your policy.

E-Bike Final

Here are some additional blogs to keep you safe while riding

Bike safety tips for commuters, families, and enthusiasts

As a motorist, do you understand biking laws?

How to prepare for your first bicycle ride of the season

Do you have any tips you’d like to share? I’d love to hear them; please share them in the box below. 

Topics: Family Safety, Health Tips, Bicycle Safety

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