Insurance denying coverage because I was riding an electric bike?
by David (MA)
I was hit by a car while riding an electric low speed bicycle (e-bike). I was traveling through a cross walk and I had the right of way when it happened. The insurance company won't pay out on the Personal Injury Protection portion, because they're saying my bicycle has a motor. The Registry of Motor Vehicles in Massachusetts says you do not need to register, insure or have a license to ride an e-bike.
Should the insurance company have to pay out on the PIP? What's the law here? Is there anything I can do to get compensation for my injuries in this accident? Thanks for any information you can give regarding this issue.
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ANSWER for "Insurance denying coverage because I was riding an electric bike?":
Unfortunately, most personal injury protection insurance (PIP) does not cover:
-Farm Equipment -Recreational or off-road vehicles -Mopeds -Electronic bikes
The State of Massachusetts is a no-fault insurance state. Read your insurance policy carefully. You will likely find it also does not cover the above. To read the Massachusetts law regarding Personal Injury Protection see:
The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.
The accuracy of information provided on this site is not guaranteed. It is generic information for informal purposes only. It is NOT formal legal advice. Your use of this site does NOT create an attorney-client relationship. Before relying on any information found in this site you should consult with a licensed attorney in your state. If you are currently represented by an attorney, you should strictly abide by his/her counsel.