What does P4B have to do with insurers?I didn't make that claim. I don't think it's a secret that insurance companies love insurance mandates and they will lobby to get any new product they can achieve that on. In Europe they were successful in getting speed pedelecs to require insurance and registration so I think it's very very plausible they will try to do that on Class 3 ebikes here in the US if the 3-class system legally stands / expands. With one federal definition for a LSEB that is "use" regulated by the states as a bike there isn't really much of a chance for the greed of the insurance industry to get a foothold to monetize bikes. Please let's not argue the virtues of the insurance industry and that they would never try to monetize class 3 / speed pedelec ebikes (insurance industry executives would sell their 1st born to monetize anything with mandatory policies...sorry but that is a universal truth).