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What are the different types of e-bikes and how are they classified legally? Not all e-bikes are treated equally under the law. The classification system includes motorized bicycles that can travel up to 28 mph, requiring registration, licensing, and insurance. Low-speed electric bicycles are treated as pedestrians under the law, offering additional protections and insurance coverage options. Low-speed electric scooters, however, are classified differently and require riders to rely primarily on health insurance for accident coverage.

Ensure Safety First  If you are involved in an accident, the first and most critical step is to ensure your safety. Bring your vehicle to a stop and assess your surroundings. Are you in a safe location? If not, move to a safer area if possible, turn on your hazard lights, and stay put. Once in a safe spot, check yourself and your passengers for injuries. Be aware of your surroundings and try to regain full situational awareness.

Accidents happen unexpectedly, and when they do, the financial burden can be overwhelming—especially if the at-fault driver has little or no insurance. Uninsured motorist (UM) coverage protects you if you are involved in an accident caused by a driver who has no insurance or if you are the victim of a hit-and-run. Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance, but their policy limits are too low to cover your damages. In both cases, your own policy steps in to cover the gap, ensuring that you and your family are not left with insurmountable medical bills and other expenses.

Getting into a car accident can be a stressful and overwhelming experience. The moments following the crash can be filled with fear, confusion, and panic. Unfortunately, many people make terrible mistakes at the scene of their accident because they cannot think clearly and act rationally.

Not all personal injury claims are the same. Insurance companies evaluate each claim on its individual merits. However, claimants do not always understand what goes into the process of evaluating personal injury claims.

After an accident, it’s natural to feel confused or overwhelmed about what to do next.

There’s no such thing as a “good” car accident to be in. Even so, many people involved in a car crash falsely believe that just because they were traveling at a low speed or got away with only “minor” injuries they don’t have much to worry about.

If you have been injured due to someone else’s negligence, you may be thinking of filing a personal injury claim.

It’s natural to feel frustrated—or even overwhelmed—after an accident. On top of expensive medical bills, long recovery processes, and a variety of other financial, physical, and emotional hardships, you have to deal with insurance companies.