Date 7.30.2024

Know Your Ride: Florida E-Bike Laws and Insurance Coverage

Posted By: Coker Law

E-Bikes on the Rise in Florida

Electric bikes or e-bikes are growing in popularity, and not only are they more functional, and environmentally friendly, but for aesthetic purposes. E-bikes are not only aesthetic themselves, but if you’re commuting to work by bike, you won’t come into the office all sweaty off the back of an e-bike, just a little windswept. E-bikes are being seen as a practical transport solution instead of just a niche recreational product. Riders can choose how much support they want the motor to provide to their pedaling, making any hill a breeze for a rider of any age or ability. 

As e-bikes become more popular, bike accidents become more frequent, and with the speeds that some e-bikes can reach, some have even been fatal. With these accidents becoming more frequent, state lawmakers are starting to impose new laws and regulations, and it’s essential to know how and where you are allowed to ride an e-bike through the Sunshine State if you are riding an e-bike. 

Understanding Florida’s E-Bike Laws

As e-bike technology advances, so do the regulations that surround them. There is a new classification system, age restrictions have been removed, and a new identification system has been implemented. There are some local laws that you should look up before you hit the streets, but some of the main points of e-bikes are:

  • There is no age restriction
  • Motors should not exceed 750 watts
  • Speeds should not exceed 28 MPH
  • Familiarize yourself with local ordinances

E-Bike Classification

The new classification of e-bikes is one of the most significant changes to the new laws. 

Class 1: Pedal-assist bikes that have no throttle with max speeds of 20MPH

Class 2: Throttle-assisted bikes that can be used without pedaling with max speeds of 20MPH

Class 3: Pedal-assist bikes that have no throttle with max speeds of 28MPH

An e-bike’s classification needs to be displayed on the e-bike’s permanent label and isn’t to be tampered with. These classifications determine where the bikes can be ridden and what regulations apply to them.

Regulations for Riders

E-bike enthusiasts can rejoice because the state just helped define what the bikes are and clarified where they can and can’t be. 

Riders no longer need:

  • To be 16
  • Driver’s license
  • State registration
  • Insurance
  • Stay under 20 MPH

Anything over 28 MPH is approaching motorbike laws, but even at these speeds, you can do some real damage in an accident. 

How E-Bike Laws Can Impact Your Insurance Claim

Florida doesn’t require insurance for e-bikes as long as they fit the 3 classifications and don’t exceed 28 MPH. Most bikes fall under personal property in your homeowner's insurance policy. It’s not a bad idea to have an insurance policy for your e-bike, as it’s usually inexpensive, and the coverage will cover you for more than just accidents. 

E-bike policy coverage includes:

  • Physical damage to your bike if you hit something
  • Liability if you’re at fault in an accident
  • Theft and vandalism
  • Uninsured motorist 

Importance of Documentation

E-bikes don’t need a license plate, but they are required to have a permanent label that identifies the bike’s classification, including the maximum speed. This label isn’t to be removed or tampered with unless a modification has been made, in which case a new label, including the modification, needs to be used. The label allows the rider to have justification that they are allowed to be where they are riding. This documentation protects the rider’s rights and gives law enforcement the information that they need.

Safety Tips for E-Bike Riders

When e-bikes have accidents, they lead to a higher hospital rate than traditional bikes and their most common injuries are head and neck injuries that also include traumatic brain injuries. Accidents happen, even to the most cautious of us, but most accidents are preventable with good choices. 

  • Wear a helmet and safety gear
  • Follow traffic rules
  • Don’t speed
  • Stay visible, especially at night

Accidents will still happen, and after you ensure that you are not injured and report the accident, you have to contend with insurance claims, legal battles, and compensation. 

Coker Law | Here for You After an E-Bike Accident

An e-bike accident can leave you with severe injuries and mounting medical expenses in a matter of seconds. Even if you aren’t liable for the accident, you are now thrust into this overwhelming process. 

At Coker Law, we encourage you to ride safely, but any accident you may find yourself involved in should be consulted and guided by an experienced attorney. Whether it’s car accidents or bicycle accidents, Coker Law can help you receive compensation for any tough times your family is facing due to the accident. 

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