347 Topics: Insurance Industry | May/June 2026 Issue In my neighborhood, it has become increasingly common to see young people, plenty younger than 16, flitting about on e-bikes and motorized scooters. Helmetless, they careen into traffic, jam down uneven sidewalks shouldering heavy school bags, and in some cases, even putter along the margins of roads that would classify as freeways. The parent in me winces at every instance; fear, loathing and anger in the mix.