Evan Ullman for CheapInsurance.com

Micromobility’s insurance gap: What e-bike and scooter riders need to know

Electric bikes, scooters, and other micromobility options are changing the way people get around cities. The National Association of City Transportation Officials’ 2023 Shared Micromobility Report found that riders in the U.S. and Canada took a record 157 million trips, more than before the pandemic. But while usage is booming, insurance hasn’t kept up. Most traditional policies don’t cover these new ways of getting around, leaving millions of riders financially vulnerable if something goes wrong.

According to a 2024 study on scooter and bicycle injuries , e-bike injuries doubled every year from 2017 to 2022, and e-scooter injuries jumped 45% annually, making the risks harde

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