Own an E-bike? Have you confirmed that you have insurance to protect you after an E-bike crash? The popularity of E-bikes says this is a good time to review your insurance basics. If you’re the owner of an E-bike that means you’re part of the movement to make traveling more affordable and cleaner. In California, E-bikes outsell four-wheeled vehicles 2 to 1. Many who once relied on cars for daily transportation are taking a fresh look at E-bikes. During the recent pandemic and now in a tough economic period, these bikes are more appealing than ever. This mode of transportation may be good for your health and wallet, to say nothing of easing the impact on the climate.
More E-bikes on our roads also mean more E-bike crashes. California has seen a dramatic increase in E-bike and traditional bicycle crashes involving one or more cyclists, pedestrians, or drivers. This has become such a serious situation that some cities have issued laws with stricter standards for bike safety. The city of Carlsbad even declared a local state of emergency after seeing a 233% increase in E-bike and bike accidents.
E-bike insurance provides financial protection in the event of bike theft or an accident. This insurance typically covers damage, theft, and vandalism to your E-bike while providing liability coverage should you injure someone or cause damage while riding. California does not require E-bike insurance and even though this insurance is not required it’s still important to have E-bike insurance. It’s also Important to check with your insurance provider on coverage limitations. Insurance is like any safety gear… it’s always a good idea to ride as safely as possible. E-bike insurance is that 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 E-bike. A common misconception is that other types of insurance automatically cover E-bikes. Never assume you’re covered. Always read the policy language and exclusions in great detail to determine if these coverages apply. Even without specific E-bike insurance you may have other coverages to address personal injury accidents. In order to understand your coverage, talk to your insurance agent or contact Guenard & Bozarth to discuss your existing coverage and your options.
E-bike insurance is a huge relief after an accident. If your accident leads to serious injuries, E-bike insurance can minimize the impact on your life and provide a level of stability. Having your own E-bike insurance may help 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 shows 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.
We represent people who are injured because of the careless and reckless acts of others. At the end of the day your case can only be settled one time and you need to know all of the facts beforehand. The reason that insurance companies have paid our clients in excess of $130,000,000.00 is that we get the facts and are not intimidated at the prospect of going to trial when insurance companies fail to offer full compensation. A Sacramento bicycle accident attorney can help with serious injuries that require serious representation. We are the Law Offices of Guenard & Bozarth, LLP. Our attorneys have more than 60 years of experience specializing in only representing injured people. Call GB Legal 24/7/365 at 888-809-1075 or contact Guenard & Bozarth online. We would be honored to represent you!