Does E-Bike Insurance Cover Hit-and-Runs? My $5,623 BikeInsure Claim

BikeInsure E-Bike Claim Story

E-bike: MOD Easy SideCar 3

Incident: Hit-and-run. Struck by a car and sent off the road into a tree. The driver fled the scene. I was okay, but my e-bike and helmet were not.

Location: Birmingham, Alabama

Outcome: Total loss

Claim paid: $5,623 for my e-bike and accessories, including my damaged helmet

Time to resolve: About one week

Does e-bike insurance cover hit-and-run accidents?

Yes. My BikeInsure policy did, and it mattered, because the driver who hit me fled the scene.

It was still dark when I left for work early one morning on my MOD Easy SideCar 3. With all the lights I've added, my e-bike lights up like a Christmas tree, so I was easy to see. A car struck my e-bike anyway, sending me off the road and into a tree. The driver never stopped.

Thankfully, I was okay, but my e-bike and helmet took the hit.

This was my dream e-bike. Before the accident, it rode like perfection. Afterward, it rode like a drunken horse.

I don't own a car. My e-bike is how I get everywhere, so losing it in a hit-and-run really shook me.

What is it like to file an e-bike insurance claim?

Nothing like I feared. I was pretty traumatized, and my biggest worry was calling my insurance company. I kept thinking, "How are they going to deny my claim?"

That was not my experience with BikeInsure at all.

The first question my claims adjuster asked was, "Are you okay?" The second was, "Were you wearing a helmet?"

I was shocked by how kind and human everyone at BikeInsure was. My experience with the police after the hit-and-run was deeply disappointing and impersonal. My bike insurance adjuster was the complete opposite: caring, responsive, and genuinely focused on helping me.

How does the e-bike insurance claims process work?

It starts with an inspection at a local bike shop. BikeInsure asked me to have my e-bike evaluated, so I took it to my favorite, Cahaba Cycles in Birmingham.

After evaluating the damage, the mechanic determined that my e-bike was a total loss. Just about everything on it was crunched.

From there, the process was simple and professional. BikeInsure reviewed the shop's damage documentation, verified my e-bike, and settled my claim.

How much did BikeInsure pay for a totaled e-bike?

BikeInsure paid $5,623 for my e-bike and accessories, including my helmet, which was damaged in the accident.

How long does an e-bike insurance claim take?

Mine took about a week, and much of that was because the bike shop mechanic was out sick.

Is e-bike insurance worth it?

For me, absolutely. When I owned a car, I never had an insurance experience like this. Apart from the hit-and-run itself, the whole experience really wasn't bad at all.

My takeaway is simple: don't ride your e-bike without BikeInsure. They did a heck of a job. The team made sure I was okay, took the time to understand what happened, and made me whole so I could get back on the road.

I can't say enough good things about my claims experience. BikeInsure made a terrible hit-and-run accident so much easier to recover from.

"BikeInsure is the poster child for what bike insurance should be."

This story was shared by a BikeInsure policyholder and is published with his permission.