Rider on a moped speeding through a city street

What Type of Insurance Does Revel Provide?

Revel electric mopeds are now more prevalent than ever in New York. Using a Revel, like any other moped or motorcycle, comes with a risk of injury to a rider, passenger, or even a pedestrian.

If an accident occurs on a Revel, questions of insurance will emerge immediately. Revel-provided accident insurance is not always clear and often depends upon how the crash occurred and who was involved. Further, users’ consent to a “Terms of Service” agreement may also limit what coverage is available.

What We Have Learned

Flanzig & Flanzig, LLP was one of the first local law firms to litigate Revel accident cases. The most common question we receive is:

Is there insurance available to pay my medical bills, lost wages and pain and suffering?

Unfortunately, this question does not warrant a simple answer. Over the last 2 years, our firm has represented a multitude of Revel crash victims, including riders, passengers, pedestrians, bicyclists, e-scooter riders, and even drivers – all injured while riding a Revel or during a Revel-related crash.

Depending on the nature of the accident, Revel may offer liability insurance, no-fault insurance benefits, and/or funds to cover property damage.

Liability Insurance

Liability insurance protects you as a rider if you harm someone while riding a Revel. This type of insurance may also help compensate cyclists, pedestrians, or motorists who are harmed in Revel accidents and cover damage to bikes, cars, e-scooters, and other property.

According to Revel’s user agreement (quoted in August 2020):

Revel procures and pays for liability insurance as indicated below, Members qualify as an insured under the policy only if Member is in full compliance with this Agreement, the Terms of Use”. “Revel provides third party auto liability coverage that meets the statutory limits required in each jurisdiction. Revel reserves the right to hold Member responsible for the first $500 of damages of each and every insurance claim made by any and all third part(y)ies arising from any accident or incident and for which the Member is determined by the insurance company to be liable. Member agrees that their privately held motor vehicle insurance, if applicable, will be the primary insurance in case of damages, if Member has privately held motor vehicle insurance.”

Essentially, Revel will provide liability insurance, but only if the person riding the Revel is following the company’s rules. To adhere to New York law, Revel provides riders with the minimum amount of liability insurance – $25,000.00 per person and $50,000.00 per occurrence. The company must also cover damage to another’s property in the amount of $10,000.

Although Revel must only provide up to $25,000.00 in liability insurance coverage the company may also be responsible for certain injuries. If the Revel is defective or the company accepts liability for any other reason, coverage may exceed the minimum $25,000 provided.

Contact our office to see if additional coverage may apply to your accident.

No-Fault Insurance

Revel’s insurance company deems its mopeds “motorcycles.” In New York, a motorcyclist is not entitled to no-fault benefits, which cover a rider’s medical treatment no matter who is at fault for the accident.

Consistent with this, our experience has shown us that no-fault insurance will not apply to an operator or passenger injured while riding a Revel. Nevertheless, if you are struck and injured by a Revel as a pedestrian or cyclist, you will still be entitled to compensation for your medical expenses.

Claims Involving Revel and Your Rights to Bring a Lawsuit.

All insurance issues aside, you have the right to bring a claim against Revel if you are involved in a crash. Pedestrians, cyclists, e-scooter riders, and motorists are always entitled to benefits after being struck by a Revel.

Revel riders can also file claims that arise from injuries due to lack of training or moped defects.

Additionally, Revel riders and passengers can bring claims against motorists in any accident that is not their fault.

What to Do After a Revel Moped Accident in New York

Revel is still relatively new to New York. Our firm has been a leader in this area of law, and we have filed more lawsuits against Revel than any other firm in New York. If you are involved in a Revel crash, contact our firm to discuss your losses, insurance coverage, and legal rights. We can help you seek compensation for your injury.

Remember, each case we handle is fact-specific. Call us for a free consultation to see how we can help.

We handle cases involving:

  • Revel riders struck by cars, buses, trucks, or other motor vehicles.
  • Pedestrians, cyclists, or e-scooter riders negligently struck by Revel operators.
  • Motorists struck by Revels (in cases where the driver or passenger sustains injury).
  • Uninsured or underinsured motorist claims under your own auto policy (for both Revel drivers and other motorists)

Revel riders who sustain injuries due to product defects or dangerous roadway conditions.

New York Revel Moped Accident Lawyers

If you or someone you know has been injured in a Revel accident, our New York law firm can help. Contact us online or at (866) 352-6944 to set up your free case evaluation.

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