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Why You Need E-Bike Insurance | Where to Get the Best Electric Bicycle Insurance in Florida - YouTube
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hi i'm jim dodson the florida bike guy
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so why do i need e-bike insurance well
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the simple answer is if you don't have
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e-bike insurance then you can be sued
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if you cause a crash that injures
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someone and they are looking for a place
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to receive compensation they're going to
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naturally turn to you
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let's talk about some choices you have
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about e-bikes and getting insurance in
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florida now what i'm going to say
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applies to florida because we have a
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statute in florida that now defines what
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an e-bike is and i've made other videos
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about that but basically they have three
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classifications of e-bikes in florida
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class 1 class 2 and class three so you
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if you are on an e-bike which is a
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bicycle as one of the class one two or
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three
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then you should be classified as a
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bicycle
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on your homeowner's policy your auto
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policy or what whatever you're concerned
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about
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but
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from a liability standpoint if you cause
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a crash
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because you hit a pedestrian you ran
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into another bicyclist
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or
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some other reason that you've injured
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someone using your e-bike
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you want to make sure that you are
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covered for your own personal liability
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to protect all of your assets and those
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things that you've accumulated in your
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lifetime
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what i would do is the first place to
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look at your homeowner's insurance or
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your renters insurance
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uh let them know that you have an e-bike
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let them know the particulars of it
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you know there are people that buy
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e-bikes that are not truly a bicycle if
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they go 40 miles an hour they are some
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other type of moped or electric bicycle
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that
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totally outside what i'm talking about
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here
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so make sure your homeowners or your
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renters policy they understand that you
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have an e-bike in florida what the
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classification is and make sure that you
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qualify
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under any requirements that are unique
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to your policy okay
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the other thing that you can do and and
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there's a company
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here in florida called velo surance
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v-e-l-o-s-u-r-a-n-c-e
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uh i don't get any commercial
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um you know i'm not paid for promoting
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velo assurance i found them a number of
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years ago i insure my own personal
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bicycles with them
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they are unique in florida because they
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insure bicyclists and bicycles
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and
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they they understand that market and
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they treat
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uh e-bikes and bicycles the same and i
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presume as long as they are a class 1
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class 2 or class 3 under the florida
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statute as we know it
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the fellow assurance does offer
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liability protection i think their
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policies start at 25 000 i know they go
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to a hundred thousand
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liability protection i would suggest
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that you consider more
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uh you know if you hit somebody
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unfortunately and just knock them over
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and break their hip you can have a claim
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which far more than one hundred thousand
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dollars so you want to get enough
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insurance on your car on your home on
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your e-bike to protect you from
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the the most common injuries we see
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so i would suggest you get well above a
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hundred thousand you should talk to them
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about what coverage you want to get on
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your bike
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remember the unique things about an
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e-bike is that the fact that they ride
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on the road and they ride on the
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sidewalk in those most jurisdictions
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so when you ride an e-bike on the
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sidewalk you have an opportunity to run
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into other bicyclists pedestrians
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children i mean it's a lot of
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opportunity for mischief to occur
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and you just don't want ever to be in a
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situation where you get in this you have
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a crash
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someone points the finger at you and
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being responsible
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and the other person has been seriously
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hurt and you're not adequately insured
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you want to avoid that
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so talk to your homeowner's carrier
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check out bellow insurance get the
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coverage that you need protect yourself
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so you can sleep at night when the
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unexpected happens i'm jim dodson the
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florida bike guy
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get insured and be safe out there
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