Coverage is the hardest part of e-bike cases.
E-bikes are NOT covered by most personal auto policies — but homeowner's/renter's umbrella may cover Class 1 e-bikes under bicycle riders. Class 2 and 3 (throttle-controlled, faster) may require specific scheduled coverage. Commercial e-bikes used by DoorDash/Uber Eats riders may be covered by the platform's commercial policy during active deliveries. We map every applicable policy before suing.