Showing posts with label insurance for eBikes. Show all posts
Showing posts with label insurance for eBikes. Show all posts

27 February 2024

A Good Step—But Is It Enougih

 



The Federal Government defines them as “micromobility devices.” Soon, however, one state might, in essence, classify them as motorized vehicles.

That might seem like a mere matter of semantics—or the sort of thing that occupies lawyers and policy wonks with too much time on their hands.  But it could have real consequences for eBike owners and riders.

Last month, Bill S2292 was introduced in the New Jersey Senate. It’s said to be “gaining traction “ as it moves the required Senate committee reviews. A date for a vote, however, has not been set.

In essence, the bill, if passed, would require “low speed electric bicycles” and “‘motorized bicycles” to have the same liability insurance as motorcycles or cars.

For the purposes of the bill, a “low speed electric bicycle “ is defined as a two- or three-wheeled vehicle with operable pedals and an electric motor of less than 750 watts that provides assistance when the rider is pedaling or ceases to provide assistance when the rider reaches 20 mph. A “motorized bicycle “ is one with pedals and a motor whose maximum piston displacement is less than 50cc or whose motor is rated at no more than 1.5 brake horsepower. Or, the bike is powered by an electric drive motor and does not reach more than 25 MPH on a flat surface.

Under those terms, eBike owners would be required to have insurance against potential bodily injury, death or property damage caused by their vehicles. In addition, eBike owners would need to carry personal injury protection in case their eBike causes bodily injury or death to another person.

The bill seems to be a response to the recent spate of crashes—and fires caused by eBike batteries. In that sense, I think it’s a good idea and think we should have a similar regulation here in New York. On the other hand, critics say that it could make eBike ownership “prohibitively expensive.” I also wonder how it could be enforced, given that many eBike purchases are made “off the books,” if you will, by undocumented immigrants.