I know a guy that is an actuary, works with a "major brand" insurance company. I was curious and asked him what he thought about the ebike/battery issue His response "last thing that made a splash was the high output pocket bikes, and those were mainly an issue due to visibility, so area's where high usage was an issue, we added (ok, I could probably repeat exactly what he said, but I didn't understand it then, I still don't) Translation: about $.00000011 per mile in increased exposure in (where I was then living) for residents. For business' it is close to 3x that (biz that do delivery in that area)
His take past that is "If the law maintains higher visibility it will have little to no impact on insurance rates, until someone rich and or famous loses a kid in an accident, then rates will kick in to the tune of about 3% for owners (in this case still pocket bikes) and about 5-7$ for business risk assessment and that is per annum I believe.
I had discussed the whole battery thing when I was involved with a e-cig company, and got the same kind of answer. He did mention that there would be an increase in insurance rates on cars where "the median income would suggest that the drivers are using high end phones with high end risk (Samsung).
So that is my non-opinion, I live country adjacent, I can walk 2 blocks and be in a wheat field. So most things like that have little to no impact on me. I imagine it would be much different if I still had an office in Mt View.
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