I had a claim this month involving someone who was hit riding an electric bike (pedalec). The $2500 bicycle was destroyed. Our client was hit by a driver turning right from a stop sign. The adjuster was suggesting our client was partly at fault for riding against traffic, i.e. coming from the driver’s right.
There was a dispute whether the bike was being ridden on the road or on the shoulder. But, the adjuster wanted to argue an electric bike can’t be on the shoulder or sidewalk. She thought they were considered a motorcycle. I had to educate her that an electric bike with top electric speed of 20 mph (without pedal assist) is considered a bicycle. We got her to pay the full replacement cost on the property damage.