Do you have insurance to protect you after an ebike crash? Now’s a good time to review the basics of ebike insurance to see whether you’re fully covered. If you own an ebike, you’re part of a nationwide movement to make traveling more affordable and accessible. In California and across the nation, ebikes are now outselling four-wheeled vehicles 2 to 1.
Travelers who previously relied on cars for their daily transportation are taking a fresh look at buying ebikes. During a tough economic period with widespread auto parts shortages, ebikes have become more appealing than ever. They’re good for your health and good for your wallet, not to mention good for the Earth.
When there are more ebikes on our roads, there are also more ebike accidents. California has recently seen a dramatic increase in ebike and bicycle crashes involving one or more cyclists, pedestrians, or drivers.
It’s such a serious situation that several cities have issued ordinances with stricter standards for bike safety. The city of Carlsbad even declared a local state of emergency after seeing a 233% increase in ebike and bike accidents.
What is Insurance for Ebikes?
Ebike insurance provides financial protection in the event of bike theft or an accident, although it doesn’t cover everything that could happen to you or your ebike. It typically covers damage, theft, and vandalism to your ebike and provides liability coverage if you hurt someone or cause damage while riding.
In California, ebike insurance is not required to lawfully ride. Insurance might not be mandated by law, but it’s still quite important to have ebike insurance coverage. Anything could happen while you’re riding.
Insurance is like a helmet or any other safety gear because it’s always the best idea to ride as safely as possible. Ebike insurance works as a protective bubble that kicks in at a crucial moment in your life to provide added coverage against the harsh realities of a crash.
Keep in mind that your homeowner’s insurance or auto insurance probably doesn’t cover your ebike. It’s a common misconception that other types of insurance automatically cover ebikes, so never assume you’re covered. You would have to read the language of your policy and its exclusions in great detail to determine if these coverage would apply.
On the flip-side, even without ebike insurance, you may have other coverage that addresses personal injury accidents, including an ebike accident. To understand the full scope of your coverage, talk to an insurance agent or contact Sally Morin Personal Injury Lawyers after an ebike accident to discuss your existing coverage and your options.
What are the Benefits of Ebike Insurance Coverage in California?
After arranging ebike insurance, you don’t have to worry so much about unexpected damage and repairs to your bike. If someone steals your battery or vandalizes your bike frame, you can make an insurance claim rather than absorbing a large expense.
Some types of insurance for ebikes will cover vacations or bike races, but base policies don’t usually cover travel. If you take your ebike on long trips or ride in competitions, purchasing the right insurance is a must.
Ebike insurance comes as a huge relief after an ebike accident. Particularly if the accident is severe with serious injuries, ebike insurance minimizes the crash’s impact on your life and provides stability at a challenging time.
Your ebike insurance could help you offset the cost of another person’s injuries and other losses if you’re held responsible for causing an accident. Instead of paying these costs out of pocket, you can turn to your insurance.
Having insurance also shows that you’re a responsible rider who cares about everyone’s safety on the road. This can be important during a legal case where another rider, walker, or driver is pointing the finger at you for accident liability.
What Does Ebike Insurance Cost?
The cost of a good ebike itself can be anywhere from $1,000 to $12,000, so it makes sense to cover it with good insurance. Ebike insurance ranges from basic packages to more extensive specialty coverage.
The simplest and most affordable ebike insurance packages usually start at about $100 to $250 per year. Coverages and deductibles vary depending on the type of insurance you need, where you live, and other factors.
Although the cost varies, the value is sky-high. Look at it this way: Not having ebike insurance could cost you your financial and emotional stability after a severe accident. When insurance is available to help blunt the impact of the accident on your life, your stress is much lower and you can focus on your recovery.
Contact Us About California Ebike Insurance Accident Cases
After an ebike accident, you deserve to rest and recover instead of worrying about the legal details. When you contact Sally Morin Personal Injury Lawyers, you’re reaching out to a California team with a strong record of successfully helping our clients succeed in ebike accident cases.
If you have ebike insurance coverage available, we can help you get the most out of it and cover your medical bills and other losses. Call 877-380-8852 today and request a free case evaluation.
