Roig Lawyers’ Abbi F. Carr Explores the Evolving Legal Landscape of Micromobility Claims at FIFEC 2026

As electric scooters, e-bikes, and other micromobility devices become increasingly common on Florida road s.ways, they are also creating new challenges for insurers and claims professionals. At the 2026 Florida Insurance Fraud Education Committee (FIFEC) Conference, Roig Lawyers Partner Abbi F. Carr presented Charging Ahead: Adjusting Claims in the Micromobility Era, providing attendees with practical guidance for navigating the evolving legal and claims landscape surrounding these emerging forms of transportation.

Drawing on her extensive experience in insurance defense litigation, Abbi explored how statutory changes, developing case law, and rapidly evolving technology are reshaping both Personal Injury Protection (PIP) and liability claims involving electric mobility device

Understanding an Evolving Legal Framework

One of the key themes of Abbi’s presentation was that the law governing micromobility devices continues to evolve alongside the technology itself. As more consumers rely on electric scooters, e-bikes, and similar devices for everyday transportation, claims professionals must stay current on Florida’s statutory definitions, legislative updates, and judicial decisions that directly impact coverage and liability determinations.

Abbi examined how Florida statutes have evolved over time, particularly regarding the interpretation of “self-propelled” vehicles and how those definitions affect PIP eligibility. She also reviewed significant Florida appellate decisions that continue to shape how courts analyze claims involving nontraditional vehicles.

Liability Investigations Require a Different Approach

Micromobility claims often present unique factual issues that differ from traditional automobile accidents.

During the session, Abbi discussed several important liability considerations, including:

• Comparative negligence and operator responsibility.
• Compliance with local ordinances governing scooter use.
• Helmet and lighting requirements.
• Preservation of electronic evidence and device data.
• Product modifications or potential manufacturing defects.
• Roadway and environmental conditions that may contribute to an accident.

These factors can significantly impact liability determinations and should be evaluated early during the claims process.

Early Investigation Strengthens the Defense

A major takeaway from Abbi’s presentation was the importance of conducting thorough investigations as early as possible.

From preserving physical evidence and electronic records to obtaining recorded statements, performing site inspections, and evaluating the condition of the device itself, early investigative efforts often provide critical information that may not be available later in litigation.

Abbi emphasized that proactive claim handling not only improves liability evaluations but also positions insurers for stronger litigation outcomes should a dispute arise.

Practical Guidance for Today’s Claims Professionals

Throughout the presentation, attendees received practical strategies they can immediately apply when handling claims involving micromobility devices, including:

• Stay current on Florida statutes and case law governing electric transportation devices.
• Investigate coverage and liability issues early.
• Preserve electronic and physical evidence before it is lost.
• Consider local ordinances, product issues, and environmental conditions during liability evaluations.
• Adapt traditional claims handling practices to account for emerging transportation technologies.

Looking Ahead

As micromobility continues to reshape transportation throughout Florida and across the country, claims professionals must be prepared to address the unique legal and investigative issues these claims present.

Roig Lawyers is proud to have Partner Abbi F. Carr share her knowledge at FIFEC 2026, helping insurers and claims professionals better understand the evolving legal landscape while developing effective strategies for investigating and defending claims involving electric mobility devices.

About Abbi F. Carr

Abbi F. Carr is a Partner in Roig Lawyers’ Deerfield Beach office and Co-Chair of the firm’s Appellate Division. Her practice focuses on insurance defense, appellate litigation, Special Investigation Unit (SIU) matters, fraud investigations, and Examinations Under Oath. Abbi regularly advises insurers on complex coverage issues, litigation strategy, statutory developments, and emerging legal trends impacting the insurance industry.