PBC Insurance Coverage -Portland Bicycling Club

PBC Insurance Coverage

The information on this page is out of date, please see the latest information on medical insurance.

A major advantage of membership in our club is the insurance we carry via our club membership in the League of American Bicyclists. The club’s insurance includes liability protection for our members and the executive board, but also gap medical insurance that can help with a high deductible or out-of-network medical bills in the event of an accident on any club ride.1 Although the club recognizes club mileage for riding to and from a ride start, medical coverage does not apply to injuries sustained in an accident that occurs off route.  The deductible for our policy is $500 but coverage is up to $10,000, so up to $9,500 may be paid to help with out-of-pocket expenses.  The medical component of our policy only extends to non-members on their first club ride in any policy year (February 1 to January 31). For riders of electric bikes, the medical component is limited to class 1 and 3 e-bikes.2 It may be of interest for our e-bike riders to know that currently Oregon defines electric bikes as a bicycle that has two or three fully functional pedals equipped with a motor that does not exceed 1000W and is designed with a maximum motor-assisted speed of 20mph.3

  1. Detailed information regarding our insurance coverage can be found by clicking on this link: https://americanspecialty.com/lab/brochure2019.pdf
  2. Information regarding types of electric bikes can be found here:  http://www.ncsl.org/research/transportation/state-electric-bicycle-laws-a-legislative-primer.aspx
  3. Information regarding Oregon laws about e-bikes can be found here: https://www.tcnf.legal/wp-content/uploads/2018/08/Oregon-E-Bike-Rights-A-Legal-Guide-for-Electric-Bike-Riders.pdf


Submitted by Pat McManus, President