My homeowners (State Farm) covers bikes , but assumes $500 per bike. They will add the bikes as personal property, but the premium is excessive (about $300/year per bike, and we have four bikes). I did increase our personal umbrella liability coverage, and it covers us if family members any sort of accident on our e-bikes that injures us or others or others' property, though only covers $500 each for our own bikes (under the homeowners coverage). It was not very expensive to increase the umbrella policy (as it resulted also in a reduced rate on our car insurance).

The two most common types of hub motors used in electric bicycles are brushed and brushless. Many configurations are available, varying in cost and complexity; direct-drive and geared motor units are both used. An electric power-assist system may be added to almost any pedal cycle using chain drive, belt drive, hub motors or friction drive. BLDC hub motors are a common modern design. The motor is built into the wheel hub itself, and the stator fixed solidly to the axle, and the magnets attached to and rotating with the wheel. The bicycle wheel hub is the motor. The power levels of motors used are influenced by available legal categories and are often, but not always limited to under 750 watts.
The Riese & Müller Load Touring HS is billed as “the ultimate minivan of e-bikes,” and it holds up to that claim. With a low center of gravity (aided by the 20-inch front and 26-inch rear wheels), the Load is easy to handle. Tektro hydraulic disc brakes add control, and front and rear suspension provide comfort. The Bosch motor offers an assist up to 275 percent of your effort until you hit 28 mph, when it cuts out. Two 500Wh batteries give you 12 hours or more of range at full power. It’s capable of toting up to 220 pounds of pets, people, and less-animate cargo. R&M also sells a double child seat for kids up to age 6 and a child-seat fastener for your youngest passengers.

In summary, federal law trumps all States’ laws. That is true with bicycle law, too. States cannot constitutionally pass legislation that reduces or eliminates Federal laws, they can only pass legislation that enacts additional (tighter) restrictions on its people. States can’t define an ebike a bicycle if greater than 750W/20mph, nor can they define an ebike a motor vehicle if less than the Federal Government’s limit of 750 Watts and a top electric-powered speed of 20 MPH.3This is the Federal definition of a low speed electric bike, which equates it to a bicycle.

BMW has launched to the UK market their Active Hybrid E-bike priced at £2,500.  The e-bike available through their own website boasts up to 60 miles per charge from the 504 Wh Lithium-ion battery powering a Brose 250 W motor.  The integrated battery and crank motor system add to the masculine looks of this hybrid ebike.  Read our full review of the BMW Active Hybrid E-bike.
During nighttime operation, the bicycle must be equipped with a front headlamp, a rear-facing red reflector, and reflectors on the front and rear of pedals, and the bicycle or rider must have reflective surfaces on each side. Minn. Stat. §169.222, subd. 6. An electric-assisted bicycle can be equipped with a front-facing headlamp that emits a flashing white light, a rear-facing lamp that has a flashing red light, or both. The bicycle can carry studded tires designed for traction (such as in snowy or icy conditions).
Saddles also vary with rider preference, from the cushioned ones favored by short-distance riders to narrower saddles which allow more room for leg swings. Comfort depends on riding position. With comfort bikes and hybrids, cyclists sit high over the seat, their weight directed down onto the saddle, such that a wider and more cushioned saddle is preferable. For racing bikes where the rider is bent over, weight is more evenly distributed between the handlebars and saddle, the hips are flexed, and a narrower and harder saddle is more efficient. Differing saddle designs exist for male and female cyclists, accommodating the genders' differing anatomies and sit bone width measurements, although bikes typically are sold with saddles most appropriate for men. Suspension seat posts and seat springs provide comfort by absorbing shock but can add to the overall weight of the bicycle.
None of this would matter if the VanMoof Electrified S2 (and its close relative the X2) wasn't fun to ride, but it is a blast. Like the Brompton, it pulls off the neat trick of powering you along but giving the illusion that you're doing the work, reacting quickly and cleverly to the speed of your pedalling and the difficulty of any incline you're on. 
This upgraded model is the best scooter of this type that is currently available on the market. I have permanent mobility issues because of my left leg that do not allow me to walk any long distances. This scooter is allowing me to finally get out of the house to see and do some things again, even if that is just cruising around the neighborhood, but my main reason for purchasing it was so that I can go watch my granddaughters playing softball this spring, they are quite good.

On October 5, 2009, the Government of Ontario brought in laws regulating electric bikes in the province. E-bikes, which can reach a speed of 32 kilometres per hour, are allowed to share the road with cars, pedestrians and other traffic throughout the province. The new rules limit the maximum weight of an e-bike to 120 kilograms, require a maximum braking distance of nine metres and prohibit any modifications to the bike's motor that would create speeds greater than 32 kilometres per hour. Also, riders must be at least 16 years of age, wear approved bicycle or motorcycle helmets and follow the same traffic laws as bicyclists. Municipalities are also specifically permitted by the legislation to restrict where e-bikes may be used on their streets, bike lanes and trails, as well as restricting certain types of e-bike (e.g. banning "scooter-style" e-bikes from bicycle trails). E-bikes are not permitted on 400-series highways, expressways or other areas where bicycles are not allowed. Riding an e-bike under the age of 16 or riding an e-bike without an approved helmet are new offences in the legislation, carrying fines of between $60 and $500. E-bike riders are subject to the same penalties as other cyclists for all other traffic offences.
The legal definition/description of an electric bicycle is most closely described in the code as a "motorized scooter" in that it is powered by an electric motor and/or human power [45]. It may be also be described as a "Motorized bicycle". However, that description does not include electric powered motor specifically. And it appears that the legal definition "Motorized Bicycle" and "Motorized Scooter" are in conflict. Motorized bicycle is a pedal bicycle which has a helper motor, or a non-pedal bicycle which has a motor, with a cylinder capacity not exceeding fifty cubic centimeters, an automatic transmission, and which is capable of a maximum speed of no more than thirty miles per hour. A motorized bicycle shall not be operated upon any way, as defined in section one within the commonwealth by any person under sixteen years of age, nor at a speed in excess of twenty-five miles per hour. A motorized bicycle shall not be operated on any way by any person not possessing a valid driver’s license or learner’s permit. Every person operating a motorized bicycle upon a way shall have the right to use all public ways in the commonwealth except limited access or express state highways where signs specifically prohibiting bicycles have been posted, and shall be subject to the traffic laws and regulations of the commonwealth and the regulations contained in this section, except that the motorized bicycle operator may keep to the right when passing a motor vehicle which is moving in the travel lane of the way, and the motorized bicycle operator shall signal by either hand his intention to stop or turn. Motorized bicycles may be operated on bicycle lanes adjacent to the various ways, but shall be excluded from off-street recreational bicycle paths. Every person operating a motorized bicycle or riding as a passenger on a motorized bicycle shall wear protective headgear conforming with such minimum standards of construction and performance as the registrar may prescribe, and no person operating a motorized bicycle shall permit any other person to ride a passenger on such motorized bicycle unless such passenger is wearing such protective headgear.
In Manitoba Electric Bikes can be classified as a scooter or a moped/mobility vehicle depending on the power of the engine used and its top speed. If the engine on the Electric Bike is less than 50cc and it cannot exceed 50 km per hour the rider is not required to have a motorcycle licence or any specific training.[26] Electric Bikes can be driven by anyone with a Class 5 driver's licence in any stage of the graduated licensing process.[27] A Class 5 Learners Licence requires one to be age 16 (parents consent if under 18) and a visit to a licensing office to pass a vision test and a written knowledge test about the rules of the road and traffic signs.[28]
"Bicycle" means either of the following: (1) A device having two wheels and having at least one saddle or seat for the use of a rider which is propelled by human power. (2) A device having two or three wheels with fully operable pedals and an electric motor of less than 750 watts (one horsepower), whose maximum speed on a paved level surface, when powered solely by such a motor while ridden, is less than 20 miles per hour.
While I would have loved to see some higher end components such as disc brakes or built-in lights, the bike still works well for what you get and is a pretty good value for the price. One missing component that I feel would make a big difference is a kickstand. I’ve never seen an e-bike that didn’t come with one, outside of ultra premium multi-thousand dollar road and downhill e-bikes that try to save every gram of weight. But for a commuter, a kickstand is pretty important. You can always add a cheap $7 kickstand from Amazon, but I would have preferred they save us the step and include their own cheap kickstand.
To operate a motorized/electric-assisted bicycle on the streets or highways a person must have a valid driver’s license or a motorized bicycle permit. A person under the age of 16 operating a motorized/electric-assisted bicycle under a motorized bicycle permit is subject to restrictions of no passengers (a parent or guardian my ride if the motorized/electric assisted bicycle is equipped with a seat and footrests for a passenger), no night driving, driving on any highway marked as an interstate, must wear a helmet, foot rests for passengers (if designed for passenger(s). A motorized bicycle permit is available to persons of at least 15 years of age who have passed the motorized bicycle test or passed a motorized bicycle course. A motorized bicycle would need the same coverage as a motorcycle would in this state. An electric-assisted bicycle would not need coverage.
On the road, it takes only a few turns of the pedals to activate the Vado’s motor and get it up to speed. In Turbo mode — the bike’s highest level of pedal-assist — the Vado reaches speeds of up to 28 miles per hour, after which the electric drive system automatically shuts off to conserve power (and abide by local law). A built-in LED readout on the handlebars allows riders to monitor battery life, check current speed, and track calories burned while also being able to glance at distance traveled. The Turbo Vado Mission Control app (iOS/Android) also connects to the bike via Bluetooth and allows riders to further tune their ride and adjust the bike’s settings.

Since cyclists' legs are most efficient over a narrow range of pedaling speeds, or cadence, a variable gear ratio helps a cyclist to maintain an optimum pedalling speed while covering varied terrain. Some, mainly utility, bicycles use hub gears with between 3 and 14 ratios, but most use the generally more efficient dérailleur system, by which the chain is moved between different cogs called chainrings and sprockets in order to select a ratio. A dérailleur system normally has two dérailleurs, or mechs, one at the front to select the chainring and another at the back to select the sprocket. Most bikes have two or three chainrings, and from 5 to 11 sprockets on the back, with the number of theoretical gears calculated by multiplying front by back. In reality, many gears overlap or require the chain to run diagonally, so the number of usable gears is fewer.
To operate a motorized/electric-assisted bicycle on the streets or highways a person must have a valid driver’s license or a motorized bicycle permit. A person under the age of 16 operating a motorized/electric-assisted bicycle under a motorized bicycle permit is subject to restrictions of no passengers (a parent or guardian my ride if the motorized/electric assisted bicycle is equipped with a seat and footrests for a passenger), no night driving, driving on any highway marked as an interstate, must wear a helmet, foot rests for passengers (if designed for passenger(s). A motorized bicycle permit is available to persons of at least 15 years of age who have passed the motorized bicycle test or passed a motorized bicycle course. A motorized bicycle would need the same coverage as a motorcycle would in this state. An electric-assisted bicycle would not need coverage.
The time or distance an electric bike battery will run between chargings is impossible to judge with much accuracy. There are too many variables: terrain, speed, rider weight, bike load (shopping, kids, luggage), and more. However, we can make a few generalizations about an e-bike’s recharge time and overall working life. These generalizations should be used for comparison purposes only.
We Can Build It.   Built by hand in Pennsylvania, mostly by Harry and Alec. Custom Wheelbuilding Some people don't know that we build every one of our wheels here by hand in Pennsylvania. This lets us control each step of the process, ensuring that the spokes are uniform, straight, and undamaged, allowing us to apply spoke-prep to the spokes, oil to the nipple seats, and inspect the rims before we use them. We get the tension, dish, lateral and radial trueness dialed in to our standards and know it's a good wheel before it goes out the door.
Controllers for brushed motors: Brushed motors are also used in e-bikes but are becoming less common due to their intrinsic lower efficiency. Controllers for brushed motors however are much simpler and cheaper due to the fact they don't require hall sensor feedback and are typically designed to be open-loop controllers. Some controllers can handle multiple voltages.

Photo: Zap Electric's power-assist kit turns a conventional bike into an electric one. There's a bolt-on DC electric motor (weighing just over 3kg or 7lb) just above the back wheel, behind the police officer's foot, pressing against the tire and driving it by simple friction. The motor's powered by a compact lead-acid battery (weighing about 5.5 kg or 12 lb) inside a protective nylon bag. This kit adds quite bit of weight to the bike, but gives extra range and speed when needed. Photo taken in Santa Rosa, California by Rick Tang courtesy of US DOE/NREL.
Electric mountain bikes have garnered a lot of attention for their ability to help riders go higher, further, and faster on the trail. As a result, there have been some impressive new eMTB models to hit the market in recent years, making it easier than ever to head off-road. Our favorite is the Haibike SDURO HardNine, which comes equipped with a 350-watt Bosch Performance CX drive and a 500 watt-hour battery. This gives it a range of up to 70 miles, along with a top speed of 20 mph, which is plenty fast on singletrack.
Electric Bicycles are defined by the California Vehicle Code [32][33]. In summary, electric bicycles are to be operated like conventional bicycles in California. There are several exceptions to this. A person must be at least 16 years old, and anyone riding an electric bicycle must wear a bicycle helmet. The e-bikes must have an electric motor that has a power output less than 1,000 watts, is incapable of propelling the device at a speed of more than 20 miles per hour on level ground, is incapable of further increasing the speed of the device when human power is used to propel the motorized bicycle faster than 20 miles per hour, operates in a manner so that the electric motor is disengaged or ceases to function when the brakes are applied, or operates in a manner such that the motor is engaged through a switch or mechanism that, when released, will cause the electric motor to disengage or cease to function.
The definition was clearly written with gasoline-powered pedalcycles in mind. The requirement of an automatic transmission is troublesome for those who just want to add an electric-assist motor to a bicycle, for almost all bicycles have transmissions consisting of chains and manually shifted sprockets. The registration form asks for a VIN, making it difficult to register some foreign-made ebikes. The fine for riding an unregistered electric bike is approximately $160.00 per event as of 2007.
These are, unfortunately, small steps forward, however, as the majority of city streets in America aren’t bike-friendly, and new legislation is rarely enforced. Then, if you take a look at the fitness (or lack thereof) of the average American, a connection begins to develop. This connection becomes even stronger when you compare the biking system here with that of a country like Norway, which has devoted hundreds of millions of dollars to its biking infrastructure, building highways dedicated to the mode of transportation. As a result, Norway is one of the most physically active countries in the world, significantly lowering their incidences of heart disease and obesity.
Every person riding a bicycle, electric personal assistive mobility device, electric power-assisted bicycle, moped, or an animal or driving an animal on a highway shall be subject to the provisions of this chapter and shall have all of the rights and duties applicable to the driver of a vehicle, unless the context of the provision clearly indicates otherwise.
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