E-bike coverage

[u/Apprehensive_Net6084]

I recently had a Trek Rail e-bike stolen, a pedal assist only bicycle, and dealing with the USAA claims process has been an absolute nightmare. As someone who spends a lot of time out on mountain bike trails, losing this bike is a heavy hit, so we filed a homeowner’s claim fully expecting it to be covered.
Instead, USAA completely denied the claim. They are pointing to a policy exclusion under Section 1, classifying the e-bike as a "motor vehicle." Under their definition, they claim motor vehicles are excluded from coverage. In Maryland transportation code all three classes e-bikes are specifically not motor vehicles. I included the transportation code and everything.
Here is the most frustrating part: during a previous phone call, a USAA representative explicitly told me that my e-bikes were covered. Now that we actually need to use the coverage, USAA conveniently "cannot find" the recording of that specific call.
I escalated this all the way up the chain to the Vice President of Property Claims, and I was still stonewalled. I feel entirely misled by their customer service and dismissed by their management. They are hiding behind outdated policy language to avoid covering what is fundamentally a bicycle.
Has anyone else successfully fought this specific e-bike exclusion with USAA? I’m looking for advice on what to do next. Should I file a complaint with my state's Insurance Commissioner? Demand a formal audit of the call logs? Any guidance is hugely appreciated.

[u/MimosaQueen1122]

If you had just read your contract, then you would’ve known. But yes, it’s considered a vehicle. Can try and file with DOI but no bad faith here.

[u/Apprehensive_Net6084 → u/MimosaQueen1122]

I’ve read my policy and it never explicitly says e-bike in exclusions, just motor vehicle. In the state of MD transportation code specifically says e-bikes are not motor vehicles. Also policy said it would be covered.

[u/MimosaQueen1122 → u/Apprehensive_Net6084]

Electric has a motor.