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2025-01-06
By: Advocate Brokerage
E-bikes are all the rage, and, on the surface, they seem like a fine (and modern) way to get kids outdoors. However, an electronic bike or scooter may not be the best gift for all kids and teens this holiday season. Here are a few things to keep in mind before bringing any powered vehicle into your home.
All forms of transportation carry an inherent risk of injury. According to the US Consumer Protection Safety Commission, electric scooters, hoverboards, and e-bikes are no exception. As of 2023, there were more than 360,000 emergency room department visits related to these types of vehicles. Since 2017, there have also been more than 230 confirmed fatalities. Many of these accidents were caused by young operators unfamiliar with the rules of the road. More than two-thirds of all micromobility accident injuries were incurred by those younger than 14.
The types of injuries are what you might expect: broken bones, scuffs, and head injuries. They are often due to riding on uneven surfaces, sudden braking, loss of control, or collision.
To keep your children safe, most experts recommend wearing a helmet at all times and only allowing them to ride in no or low-traffic areas. A good training course can teach riders about the dangers that await them in their newfound freedom.
Electric bikes remain a fairly new and novelty gift, and many areas may not have clear-cut laws regarding their use. It’s up to you to confirm your local regulations, including how these types of bikes and scooters might need to handle red lights, sidewalks, and general traffic laws. Some areas may also have age restrictions and licensing requirements.
As a general rule, there are three classifications of legal e-bike in New York State. Class I are those that go up to 20 mph. These are more aptly defined as electric-assisted bikes, where the motor kicks and only while the cyclist is actively peddling. In class II are the bikes that can’t go higher than 25 mph. They may have the addition of a throttle assistant, which works to move the bike forward without manual peddling. Class III may reach a maximum speed of 25 mph. It’s important to note, however, that the industry as a whole acknowledges class III bikes is reaching speeds of 28 miles per hour. Class III e-bikes are banned throughout the state with the exception of New York City.
Owning any type of transportation, even those considered low speed, brings with it a certain amount of legal responsibility and liability. Keep in mind that you may be held responsible for injuries your child causes to others while operating their e-bike or a scooter. You may also be on the hook for any damage they cause to other people’s property.
Generally speaking, physical damage to e-bikes, scooters, and other similar recreational vehicles isn’t covered by insurance. Further, unregistered vehicles with speeds exceeding 28 MPH are often excluded from even liability coverage. If you plan to purchase a moving “toy” this winter, talk to your Advocate first and remember that you may not be able to get coverage for an operator under the age of 16.
In addition to making sure that your child is armed with protective gear, experience, and knowledge, it’s prudent to discuss with your Insurance Advocate any additional coverage that may be needed on your home or auto policy. Your Advocate can help you look ahead at the potential risks and added cost of this year’s hottest gift.
