David Goyco says he was like a bicyclist when he was injured while riding his low-speed electric scooter and hit by a car. Thus, he contends, he is entitled to personal injury protection (PIP) benefits from his auto insurer, Progressive Insurance Co., under a New Jersey state law that treats bicyclists like pedestrians.

However, Progressive and New Jersey courts, thus far, disagree with him. They say he was not a bicyclist o

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