TAMPA E-BIKE INJURIES ARE SURGING – WHO IS LIABLE?
E-Bikes & E-Scooters Are Sending Tampa Teens and Adults to the ER—Who Pays the Bill?
Here’s the breakdown under Florida law:
- PIP (Personal Injury Protection): Florida drivers may have PIP coverage, but it doesn’t always apply to non-vehicle riders like e-scooters.
- MedPay & UM/UIM: Medical payments coverage and uninsured/underinsured motorist insurance can cover big gaps and are often the only safety net when the other driver has minimal insurance.
- Homeowners/Renters Insurance: May cover accidents caused by, or involving minors, depending on the policy language.
- Product & Maintenance Claims: If the e-bike or e-scooter failed due to a defect or poor maintenance, claims may extend to manufacturers or service providers.
And remember, under Florida’s 51% rule, if the rider is found more than 50% at fault for situations such as running a light, riding without a helmet and etc., recovery may not be possible.
Steps can be taken to help protect the rights of those injured in these types of accidents.
- Photos of the accident site, vehicles/scooters, and road conditions
- Photos of your injuries (immediate & visible)
- Contact info for all drivers, riders, and witnesses
- Insurance info from every involved driver
- Screenshots of ride app trip data (e.g., Bird, Lime, Uber)
- Helmet and equipment photos (condition at crash)
- Police or incident report number
- Emergency room/hospital intake paperwork
- Short video statement (what happened, in your words)
- Timestamped notes (pain, impact, events right after crash)
E-Bike Insurance Coverage FAQ
➡ Your own PIP/MedPay may also apply.
➡ If a mechanical failure: explore product liability claim.
➡ Some companies carry limited liability coverage.
EXPERIENCE. STANDARDS. RESULTS.
With a combined legal experience of over 50 years in both State and Federal courts, the Tampa Lawyers at Fernandez Law Group are committed to providing quality service to clients while maintaining a high level of respect, integrity, and appreciation for each individuals’ legal needs. If you have questions about any of the new Florida Laws in 2025, we’re here to help.
Our Personal Injury Lawyers work aggressively seeking compensation for damages and have recovered millions of dollars in settlements.
Our Criminal Defense Lawyers fight to protect the rights of our clients and have successfully litigated to reduce thousands of sentences and fines.
We offer free initial consultations with detailed case reviews.
CALL US TODAY AT 813-489-3222, USE OUR CONTACT FORM, EMAIL OR TEXT US FOR A FREE CONSULTATION AND CASE EVALUATION.
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