Exactly. This just happened to me when I was struck by a moped in a near-fatal crash. Because it is not a motor vehicle by insurance and Legal standards in the USA it does not require a license or insurance to operate. If you are hit by one of these, you’ll find there’s no insurance to cover you other than your health insurance. Underinsured coverage on your auto policy will not apply either, as it would if you were hit by a motor vehicle.