The Rise of Fatbike Accidents: What You Need to Know

Fatbikes have become increasingly popular—especially among younger riders—but this trend has also led to a surge in accidents. In early October alone, nearly a hundred people were admitted to emergency rooms due to fatbike-related incidents. The number of serious injuries is growing rapidly, and the financial and legal consequences are often underestimated.

The Risks of Fatbike Accidents

Fatbike accidents can result in a range of injuries, from minor scrapes and bruises to fractures and even traumatic brain injuries. “Many people underestimate the severity of injuries fatbikes can cause. It’s crucial for users and parents to be aware of the risks,” says an advisor at Insurance Experts.

Financial Consequences and Liability Insurance

Beyond the physical harm, fatbike accidents can lead to significant financial losses—especially if you’re not properly insured. In some cases, liability claims won’t be covered by a personal liability insurance policy (AVP), especially when the fatbike qualifies as a motor vehicle.

A non-modified electric fatbike may still be covered by a standard AVP. However, once the bike is modified to exceed legal speed limits, it’s often considered a motor vehicle—meaning it falls outside standard AVP coverage. This can result in large out-of-pocket expenses if an accident occurs.

The Importance of Proper Liability Coverage

While a good liability insurance policy can provide financial protection, modified fatbikes introduce unique risks. These bikes can reach high speeds, and younger riders often lack the traffic experience to properly assess danger. Other road users may also misjudge their speed, leading to hazardous situations.

Insurance Experts Can Help You Stay Protected

Make sure you're adequately insured and understand the risks involved. At Insurance Experts, we’re here to help you find the right liability insurance to match your specific situation. Have questions or need tailored advice? Leave your details and one of our advisors will be in touch shortly.