Do I need insurance to ride an e-bike or e-scooter in California?

California does not require you to carry personal insurance to ride an e-bike or e-scooter. However, auto insurance — especially UM/UIM coverage — or homeowner’s and renter’s insurance can protect you if someone else’s negligence injures you, or if you are accused of causing a crash. Without your own coverage, your options after a hit-and-run or uninsured-driver accident become much more limited.