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Welcome to the third and final episode of a series known as the Coverage Contrarian. This episode will feature Michele Slupinski, Eric Friedemann, and Frank Gagliardi, who serve as Casualty Services Counsel with PLRB. Today, we are going to discuss the topic of electrical bicycles, or E-Bikes, as they are commonly referred to, and the coverage issues that arise under a Homeowners policy in the event of an E-Bike accident. Illinois – Definition of Low-speed Electric Bicycle (625 Ill. Comp. Stat. Ann. 5/1-140.10). Illinois – Definition of Motor Vehicle (625 Ill. Comp. Stat. Ann. 5/1-146). Illinois – Self-Propelled (https://www2.illinois.gov/rev/research/legalinformation/regs/Documents/part195/Part%20195.105%20AD.pdf). New York – Definition of Bicycle with Electric Assist (N.Y. Veh. & Traf. Law § 102-c (McKinney)).