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Long Island Scooter & E-Bike Accident Lawyer

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  • 300% Increase in e-bike injuries 2017–2022
  • $75M+ Recovered for Long Island clients
  • 25+ Years Exclusively representing injured people
  • 9 Offices Accross Long Island

Scooter and e-bike accidents are happening more frequently on Long Island, and the injuries are rarely minor. Without the protection of a car around you, a single collision with a distracted driver, an open car door, or a patch of broken pavement can mean broken bones, a head injury, or worse. If that happened to you or someone you care about, you’re probably dealing with pain, medical bills, and an insurance process that doesn’t feel like it’s working in your favor.

At Palermo Law, we understand how difficult that position is. We’ve been representing injured people across Long Island since 1994, and we’ve handled many scooter and e-bike cases — including cases where insurance companies tried to deny coverage entirely. Scooter and e-bike accidents are cases we take seriously and pursue aggressively.

How New York Classifies E-Bikes — and Why It Matters

New York divides electric bikes into three classes based on speed and motor operation. The classification of your bike directly affects your insurance rights after a crash. Insurance companies examine it closely, and getting it wrong can cost you your coverage.

Class How It Works No-Fault Coverage
Class 1 Pedal assist only — motor cuts off at 20 mph. No throttle. Generally qualifies
Class 2 Throttle-powered, also limited to 20 mph. Pedal assist available. Generally qualifies
Class 3 Pedal assist up to 25 mph. Additional restrictions apply. Usually qualifies*
Modified / Over-limit Exceeds speed limits or resembles moped/motor-driven cycle. ⚠ Coverage often denied

*Class 3 e-bike coverage may depend on specific circumstances of the accident.

⚠ The Insurance Trap That Catches Riders Off Guard

If your bike is a higher-powered device — one that exceeds legal speed limits, has been modified, or resembles an electric moped — the insurance company may classify it as a motor-driven cycle and deny no-fault coverage entirely. This can leave you without payment for medical bills or lost wages for months while your case is pending. It is one of the most consequential issues in modern scooter and e-bike cases, and we address it immediately when evaluating a new claim.

Does No-Fault Insurance Apply?

When a car or truck strikes you while you’re riding a scooter or e-bike, you are typically treated like a pedestrian under New York’s no-fault system. That means you are usually entitled to no-fault benefits through the vehicle’s insurance — covering medical expenses and a portion of lost wages without waiting for fault to be determined.

However, coverage gets complicated in several situations: if your bike is classified as a motorcycle; if the vehicle that hit you was uninsured; or if the accident involved a hit-and-run driver with specific procedural requirements. Identifying the correct policy and moving quickly to preserve your rights is critical.

For a detailed breakdown of New York’s e-bike laws, no-fault rules, and what you can recover, read our guide to e-bike accidents, laws, and no-fault coverage on Long Island.

Common Causes of Scooter and E-Bike Accidents on Long Island

Long Island’s road network was built for cars, not for smaller, exposed riders sharing lanes with fast-moving traffic. The accidents we see most frequently follow predictable patterns:

  • Distracted drivers who fail to notice a scooter or e-bike rider at intersections or in their lane
  • Right-hook crashes where a car passes and then turns suddenly across your path into a driveway or parking lot
  • Left-turn collisions — one of the most dangerous crash types, accounting for a significant share of bicycle and e-bike fatalities
  • Dooring accidents when drivers or passengers open car doors into oncoming riders
  • Road hazard crashes caused by potholes, broken pavement, metal plates, or debris — which may involve claims against municipalities
  • Accidents in commercial corridors like Montauk Highway, Middle Country Road, and Route 25A where driveways and turning vehicles create constant conflict points

What You Can Recover

If another party caused your accident, you may be entitled to compensation for:

  • Medical expenses not covered by no-fault, including emergency care, surgery, physical therapy, and future treatment
  • Lost wages and reduced earning capacity
  • Pain, suffering, and loss of enjoyment of life
  • Permanent injury or disability
  • Property damage to your scooter or e-bike

Every case is different. The value depends on the severity of your injuries, the impact on your work and daily life, and the strength of the liability evidence. We’ll give you a direct, honest assessment of what your case may be worth.

Suffolk County’s 2025 E-Bike Ordinance

In late 2025, the Suffolk County Legislature passed comprehensive regulations governing e-bike and e-scooter use. These rules are now in effect and include: mandatory helmet requirements for all riders regardless of age; a ban on sidewalk riding; restrictions to roadways posted at 30 mph or less; and prohibitions on impaired operation. Nassau County currently governs e-bike use through state law and enforcement practices rather than a standalone county code.

These regulations matter in crash cases because insurance companies reference local ordinances when assessing comparative fault. If you were operating in violation of a county rule at the time of your accident, a carrier may argue that violation contributed to your injuries.

See the full details in our Long Island e-bike accident and laws guide.

What to Do After a Scooter or E-Bike Accident

1 Call 911 Immediately

Even if injuries seem minor. Some injuries don’t appear right away, and an official police report is one of the most important documents in your case.

2 Get Medical Attention Right Away

Seek care immediately. Insurance companies scrutinize delays in treatment and will use them to argue your injuries are less serious than claimed.

3 Document the Scene

Photograph the accident scene, your bike, the vehicle, road conditions, any defects or hazards, and your visible injuries from multiple angles.

4 Collect Contact and Insurance Information

Get the driver’s name, phone number, address, license plate, driver’s license number, and insurance details. Collect witness contact information.

5 Do Not Give a Recorded Statement

Insurance companies will call quickly asking for a recorded statement. Politely decline until you speak with an attorney. Anything you say can be used to reduce your claim.

6 Preserve Your E-Bike

Do not repair or dispose of your scooter or e-bike. Insurance companies and experts may need to inspect it. Modifying it can hurt your case.

7 Contact Palermo Law

Speak with an experienced scooter and e-bike accident attorney as soon as possible. Time limits apply — and early legal guidance protects your rights and maximizes your recovery.

Time Limits Apply

You generally have three years from the accident date to file a personal injury lawsuit in New York. However, if your case involves a municipality — a pothole, road defect, or broken infrastructure — you may have as little as 90 days to file a Notice of Claim. Do not wait.

Serving Scooter and E-Bike Accident Victims Across Long Island

Palermo Law handles scooter and e-bike accident cases throughout Nassau and Suffolk Counties from 9 offices across Long Island. Whether your accident happened on a busy commercial corridor in Nassau County, along a major roadway in Suffolk County, or in a community like Huntington, Babylon or Hauppauge, we know these roads and we know how these cases move through local courts.

We also serve clients in Patchogue, Riverhead, East Hampton and Carle Place.

Why Injured Riders Choose Palermo Law

  • $75M+ Recovered for Long Island clients
  • 25+ Years Exclusively representing injured people
  • 400+ Five-star Google reviews
  • Best Law Firm Long Island — 5 consecutive years

Since 1994, Palermo Law has represented injured people across Long Island exclusively — we have never taken a case on behalf of an insurance company and we never will. Every case is personally overseen by Steven Palermo. We offer free consultations at any of our 9 offices, and we charge no fee unless we win.

Frequently Asked Questions

When you are struck by a car or truck while riding a scooter or e-bike, you are typically treated like a pedestrian under New York’s no-fault system and usually qualify for benefits through the vehicle’s insurance. However, if your bike is a higher-powered device that exceeds legal speed limits or has been modified, the insurer may classify it as a motor-driven cycle and deny coverage entirely. Identifying the correct coverage early is one of the most important steps in these cases.

Class 1 e-bikes provide pedal assist only and cut off at 20 mph. Class 2 e-bikes can be throttle-powered and are also limited to 20 mph. Class 3 e-bikes provide pedal assist up to 25 mph and are subject to additional restrictions. The classification affects your insurance rights after a crash and whether no-fault coverage applies.

Yes, you can still pursue a claim. However, insurance companies may argue that your failure to wear a helmet contributed to the severity of your injuries, which could reduce your compensation under New York’s comparative negligence rules. In Suffolk County, where helmets are now mandatory for all e-bike riders, this argument may carry particular weight.

In most cases you have three years from the date of the accident to file a personal injury lawsuit. However, if your case involves a municipality — such as a pothole or road defect claim, or municipally owned vehicle — you may have as little as 90 days to file a Notice of Claim. Contact an attorney as soon as possible.

If the at-fault driver was uninsured or left the scene, coverage may be available through your own auto policy or a household family member’s policy under uninsured motorist coverage. Hit-and-run cases have specific procedural requirements and deadlines. An attorney can identify all available coverage sources and protect your rights from the start.

Call 911, get medical attention right away, photograph the scene and your injuries, collect the driver’s information, and do not give a recorded statement to any insurance company before speaking with an attorney. Preserve your e-bike and do not repair or dispose of it. Contact Palermo Law for a free consultation as soon as possible.

Yes. Suffolk County passed comprehensive e-bike and e-scooter regulations in late 2025 requiring helmets for all riders, banning sidewalk riding, and restricting operation to roadways posted at 30 mph or less. Insurance companies reference these local ordinances when assessing comparative fault. If you were operating in violation of a county rule at the time of your accident, a carrier may use that to argue your injuries were partly your responsibility.