What companies provide Moped insurance in New Jersey?

Question

What companies provide Moped insurance in New Jersey?

Answer 1

Probably none. If it's under 50cc, you usually can't license it. If you can't license it, you can't insure it.

Answer 2

Here is the New Jersey Law.(Note: NJ does not rquire insurance):

NJ Law:

Electric Bicycles that go under 20 m.p.h. are LEGAL in New Jersey and are considered ‘bicycles’. They do not require anything that a normal bicycle doesn’t require. Here is the actual law taken from the NJ code:

C.39:4-14.10 Electric personal assistive mobility device defined; regulations concerning.

1. a. As used in this act, “electric personal assistive mobility device” means a self-balancing non-tandem two wheeled device designed to transport one person which uses an electric propulsion system with average power of 750 watts (one horsepower), whose maximum speed on a paved level surface, when powered solely by such a propulsion system while operated by a person weighing 170 pounds is less than 20 miles per hour. The device shall not be considered a motorized wheelchair, motorized bicycle, motorcycle, motorized scooter, motorized skateboard, vehicle or motor vehicle.

b. An electric personal assistive mobility device may be operated on the public highways, sidewalks and bicycle paths of the State. Every person operating such a device shall be granted all of the rights and be subject to all of the duties applicable to the driver of a bicycle by chapter four of Title 39 of the Revised Statutes except as to those provisions thereof which by their nature can have no application.

c. The operator of an electric personal assistive mobility device shall not be required to obtain a driver’s license therefor or to register the device. The operator shall not be required to furnish proof of having liability insurance for the device or other proof of financial responsibility.

d. The governing body of any municipality may, by ordinance, regulate the operation of electric personal assistive mobility devices upon the roadways and public properties under municipal jurisdiction. The State or the governing body of any county or municipality may prohibit their operation on any public highway under its jurisdiction where the speed limit is greater than 25 miles per hour.

e. Notwithstanding the other provisions of this section, an operator of an electric personal assistive mobility device shall;

(1) wear a helmet while operating that device;

(2) be 16 years of age or older, except for an operator with a mobility-related disability; and(3)only be a government employee or employee of a commercial establishment performing his assigned duties or an operator with a mobility-related disability.