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@hollywoodbowles Have you retained a contractor? You'll need one anyway, and they may have better lines of communication. Generally speaking, AmFam is usually easy to deal with; sorry for what is obviously a different experience.

@holl Years ago, I was on a product development committee and the issues of motorized play cars children drive up and down sidewalks were heavily discussed; very similar issues, except the e-bikes can be driven on roads and should be licensable (and thereby insurable). I'm thinking some type of...