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The coronavirus pandemic pumped up bicycle sales to the point that buyers confronted the first bicycle shortage in the U.S. since the 1970s. In tandem with that sales surge, bicycle theft has soared in a number of U.S. cities.As you might expect, the rise in bike ownership and theft has prompted more Americans to ponder insurance coverage for bicycles. That’s a particularly valid concern, since more than 2 million bikes are stolen each year in North America, according to Project 529. Pedal along as we examine the numerous spokes of bicycle insurance.How Are Bicycles Insured?Bicycles are covered under the personal property section of a standard homeowners or renters insurance policy. An insurer will reimburse you, minus your deductible, if you file a claim when your bike is stolen or when it’s damaged in a fire or other disaster that’s covered by your policy.Furthermore, homeowners and renters policies offer financial protection (under liability insurance) if you injure somebody or damage someone else’s property when you’re riding your bike.If your bike is damaged because you fall off or you collide with a tree, pedestrian or curb, it won’t be covered by your homeowners or renters insurance unless you add it separately to your policy. This is known as “scheduling” an individual item.If you’re riding your bike and are injured in a crash with a vehicle, your auto insurance policy would generally cover your medical bills under either personal injury protection or medical payments coverage, assuming you have one of those.Snejina Zacharia, founder and CEO of insurance marketplace Insurify, further notes that homeowners or renters insurance usually doesn’t cover a bike (or any of your possessions, for that matter) if it’s damaged or destroyed in a flood, earthquake or landslide.What Kind of Coverage Do I Need if I Own an Expensive Bike?The Insurance Information Institute suggests that if you own an expensive bike, you should ask about an add-on to homeowners or renters insurance known as an endorsement to boost your coverage. You also can explore a standalone bike insurance policy.Bike insurance policies usually provide broader and deeper coverage than homeowners or renters insurance policies do. For example, Markel’s bike insurance can cover things like crash damage, roadside assistance, spare parts and replacement-bike rentals, whereas a typical homeowners or renters insurance does not.Markel and another bike insurer, Velosurance, say their annual premiums start at 0. Markel’s average bike insurance policy costs 0 to 0 a year.Trusted Choice, a network of independent insurance agents, says you should look into standalone bike insurance if:You spent a lot of money on your bike. An everyday bike might cost roughly 0 to 0, while a specialty bike might go for more than ,000.You frequently ride off-road, potentially placing you and your bike at greater risk for harm.You compete at cycling events.You own a bike that’s been specially designed, upgraded or modified.You lack homeowners or renters insurance.You don’t have health insurance to cover injuries you might suffer in a cycling crash.Should You File a Claim if Your Bike Is Stolen or Damaged?If your bike is worth 0 but your homeowners or renters policy carries a 0 deductible, Zacharia recommends against filing a claim.“Not only will a claim increase your monthly premiums, but you won’t be getting anything in return. Essentially, it’s a lose-lose situation,” she says.If your bike is worth more than the deductible, calculate your potential claim check amount. If it’s small, it still probably isn’t worth filing a claim and risking a rate increase in the future that could cost you more over time.“It’s really about the balance between the cost of replacement and the increased cost on your monthly premiums. Some people might also say the hassle of making a claim is an additional downside,” says Zacharia.“Remember that your deductible matters,” Zacharia adds. “If your bicycle is worth 0 but your deductible is set at ,000, you’ll be paying out of pocket to replace it. It’s up to you where you set a deductible level. Just be prepared for the bill.”Registering Your BikeOne way to discourage bike theft—or at least have a better chance of getting your stolen bike back—is to engrave a serial number on it and register the number with the local police department. For example, New York City offers a bicycle registration program. 4472

The Equifax data breach was bad for a lot of people but good for a few companies that sell identity theft protection.The hack, which Equifax announced last Thursday, exposed Social Security numbers, drivers licenses and other personal information of 143 million people. And that was just in the United States.Equifax said people in the U.K. and Canada were also affected by the data breach, but it hasn't said how many. Equifax says it has records on more than 800 million people worldwide.Demand for identity theft protection just went up. A lot.One company, LifeLock says it has gotten over 100,000 customer signups since the Equifax news broke. It said it's enrolling 10 times as many customers every hour now as a result.The Equifax breach was not the largest ever, but it was notable for the kind of information that was put at risk.LifeLock says its increase in business is greater than it was after two other big breaches -- an attack on Yahoo last year and one in 2015 against insurance giant Anthem."We've had more people sign up for LifeLock in the past three days than during the entire Yahoo or Anthem breaches," Fran Rosch, executive VP and GM of Symantec's consumer business unit, told CNN Tech on Monday.LifeLock sells identity protection like credit monitoring, black market surveillance, stolen fund reimbursements, crimes committed in your name, and fake identity monitoring. Its service costs between .99 to .99 a month.Another company that says it has seen an uptick in business is CreditKarma, which provides free credit reports and monitoring. It told CNN Tech it saw a 50% increase in signups over the weekend and a 50% increase in search traffic.CreditKarma analyzes credit profiles, suggesting product recommendations to help users save money. If you take its recommendations, it then makes a cut from the bank or lender behind the product.Equifax itself is in the fraud alert business. It has a host of products under the Equifax brand, as well as an offshoot called TrustedID. In the wake of the data breach, it is offering one year of free credit monitoring and identity theft protection with TrustedID Premier. It clarified this week that those who sign up will not be automatically renewed and charged.Of course, a year of the TrustedID service for free could be enough to convince some customers to renew and start paying."They can exploit this breach to market to consumers who never had to worry about their credit report before," said Amanda Werner, campaign manager with Americans for Financial Reform and Public Citizen.Equifax did not respond to a request for comment for this article.Experts warn that one year is not enough to cover the damage caused by the breach on consumers."Criminals will certainly try to monetize the leaked data and perform ID theft for far longer than one year after this attack," Katie Moussouris, founder of Luta Security, told CNN Tech.Bill Kowlaski, director of operations at Rehmann Corporate Investigative Services and a former FBI agent, agrees. "You're basically required ... to be extra diligent for the rest of your life."The identity theft protection market is expected to bring in .8 billion in revenue this year, according to research from IBISWorld. LifeLock has 24% of the market, with a company called Intersections owning the next biggest share, 6%. Intersections did not immediately reply to request for comment.IBISWorld said that identity theft protection offshoots owned by Experian and Equifax has a market share of less than 5%.RELATED: How to protect yourself from a data breach 3581

The COVID-19 pandemic is raising more questions about what jobs prison inmates should do and how much the inmates should be paid.Prison labor isn't unusual, but relying on it amid the spread of the virus has sparked concern among activists.In particular, activists are concerned that inmates have been recruited to help move bodies into mobile morgues in El Paso County, Texas. Refrigerated trucks were set up after a spike in deaths led to overcrowding in local morgues."We think it's OK to put (inmates) in these risky situations, while at the same time denying them access to testing and medical care and free phone calls with their families," said Krish Gundu, the co-founder and executive director of the Texas Jail Project.The El Paso County Sheriff's Office says the work is completely voluntary and that inmates are being paid an hour for the work.In New York, Gov. Andrew Cuomo has used state prison labor to produce hand sanitizer. Those prisoners were paid well below an hour for thier work."Is this what you would pay an essential worker who would be doing the job if you didn't have an inmate to do the job, right?" Gundu said. "I mean, why the difference?"According to the prison policy initiative, the average pay for inmates across the country ranges from The critically acclaimed series Breaking Bad appears to be returning to television, this time in the form of a movie.Slash Film reports series creator Vince Gilligan is writing and executive producing the project.The film is said to be a sequel to the show's finale that aired in 2013, and will follow Aaron Paul's character Jesse Pinkman.Bryan Cranston, who plays the show's main character Walter White, also confirmed the existence of the film but says he has not read the script.There is no official release date for the film, but production will begin in New Mexico soon, Slash Film reports.   620.14 an hour to .41 an hour, depending on the nature of the job.El Paso County has requested that Texas National Guard mobilize to assist with the growing COVID-19 crisis. If and when that happens, the sheriff says he will stop recruiting inmates to help move bodies. 1556

The government of Puerto Rico has quietly admitted that the death toll from Hurricane Maria -- a subject of great controversy -- may be far higher than its official estimate of 64.In a report to Congress dated Wednesday, the US commonwealth's government says documents show that 1,427 more deaths occurred in the four months after the storm than "normal," compared with deaths that occurred the previous four years.The 1,427 figure also appeared in a draft of the report -- "Transformation and Innovation in the Wake of Devastation" -- which was published and opened for public comment July 9. The figure was first "revealed" by the Puerto Rico government, according to the final report, on June 13, one day after officials were forced by a judge to release death records that CNN and the Centro de Periodismo Investigativo in Puerto Rico had sued to make public.Officials stopped short of updating the official death toll for the September 20 storm."The official number is being reviewed as part of a study under way by George Washington University," the report says. Officials hired that university to review the toll after news reports, including those from CNN, called it into question.The George Washington University study "will have certainty" about the number of people the government believes died in Hurricane Maria and its aftermath, Pedro Cerame, a spokesman for the Puerto Rican government in Washington, told CNN. Officials initially said that report would be released in May. Now they expect it to publish this month."We understand that the number is higher," Carlos Mercader, executive director of the Puerto Rico Federal Affairs Administration, told CNN in an interview. "We didn't commission the study to prove there were 64 (deaths). We wanted a scientific and epidemiological study that would give us light, not only on the number -- we know the number is higher -- but the reasons why this happened."The 1,427 figure is "an estimate," Cerame said, and it may include deaths that weren't related to the storm.It's an estimate that follows many others like it.In November, CNN surveyed 112 funeral homes -- about half the total -- across the island, finding that funeral home directors and staff had identified at least 499 deaths they believed to be related to Hurricane Maria and its chaotic aftermath, which included months without power for many of the island's 3.3 million residents. In December, the New York Times estimated the "excess death" toll from the storm to be 1,052, based on comparisons with previous years.In May, a team that included researchers from Harvard University published a study in the New England Journal of Medicine estimating that 793 to 8,498 people died in Maria's wake, a range that some academics have criticized as overly broad. The study's midpoint estimate -- 4,645 deaths -- became a rallying cry for activists upset by what they see as a lack of accountability for the scale of the catastrophe by officials in Puerto Rico and the United States.The Harvard estimate was based on surveys of 3,299 households in Puerto Rico, in which residents were asked about deaths in their homes after Hurricane Maria.Mercader, the Puerto Rico official, criticized that study in an interview with CNN on Thursday. "We all know that's impossible, that that couldn't happen," he said of the estimate that 4,645 people may have died after Maria. "We have the data. You all know that is an exaggeration."Then last week, a research letter published in the medical journal JAMA estimated that between 1,006 and 1,272 people died in relation to the storm -- with a midpoint estimate of 1,139.An accurate death toll is important, according to officials and academics, because it can help Puerto Rico and other governments better prepare for future storms, which are expected to become worse in the era of climate change. The official count also matters a great deal to the families of the deceased. Not only are they eligible for certain federal aid if the deaths are officially counted, but some relatives of the dead simply want their loved ones to be remembered."They were not numbers; they were people," Lisa De Jesús, whose friend Reinaldo Ruiz Cintron died while working in hurricane cleanup, told CNN in June. "And the government thinks that just p

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