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Fat bikes are increasingly involved in accidents. At the beginning of October, nearly a hundred people ended up in the emergency department after a fatbike accident. The number of fatbike accidents has increased significantly in recent years, partly due to the popularity among young people. Many victims suffer serious injuries, leading to hospitalizations.
Fat bike accidents can have serious consequences, ranging from scrapes and bruises to broken bones and even brain injuries. “The severity of injuries in fat bike accidents is often underestimated. It is crucial that users are aware of the risks,” says a Van Loon advisor.
In addition to physical injuries, these accidents can also have significant financial consequences, especially if no private liability insurance (AVP) has been taken out. In some cases, an AVP does not provide coverage, because damage caused by a motor vehicle is often excluded. A standard electric bike is still covered by an AVP, such as an unpowered fat bike. When it is entered, it is often considered a motor vehicle and is then excluded from coverage. This could mean that the financial consequences of an accident involving a souped-up fat bike are significant.
A good AVP can provide protection, but boosted fat bikes come with additional risks. The high speeds that these bikes can reach often exceed constructive limits and young drivers have difficulty assessing risks due to their limited traffic experience. Other road users are often unprepared for the speed of boosted fat bikes, which can create dangerous situations.
Make sure you are well insured and be aware of the risks. At Van Loon, we are happy to help you take out the right insurance that suits your situation. Leave your details and we will contact you as soon as possible.