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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 first snowflakes flew into the lower 48 this week.A big winter storm blew through the higher elevations of western Montana and northern Idaho earlier this week, and now, a few of those snowflakes may fall in parts of western Wyoming and in the mountains of Utah and Colorado. 287

The Democratic National Convention gets underway this week. Republicans will hold their convention next week. While this year's convention is virtual for both parties, have you asked yourself what's the point of these anyway?CONVENTIONS YEARS AGO WERE DIFFERENT Americans have known for months that Joe Biden is going to be the Democratic nominee and that Donald Trump would be the Republican nominee. However, before political parties started relying on primaries, conventions were the place the nominee was decided.In 1856, it took Abraham Lincoln three rounds of voting to become the Republican nominee. In 1924, Democrats needed 103 ballots over 16 days to pick John Davis as their party nominee.CONVENTIONS PURPOSE In 1948, networks began televising conventions and since then, many argue conventions have become taxpayer-funded spectacles for insiders. While taxpayers are no longer directly funding conventions, they are paying for security. In 2016, it was estimated that around 0 million of taxpayer funds were spent on convention security. 1952 was the last year both political parties had a contested convention; however, party insiders believe conventions still play a pivotal role. Conventions are where networking can take place and where delegates can debate the party platform. It's also a place where training sessions can occur and speeches can take place. Could Barack Obama have become president in 2008 without his speech at the 2004 convention? Sure, it's possible, but that speech was credited with making the Illinois state senator a household name. WILL 2020 CHANGE CONVENTIONS? With the events now online, after these next two weeks, both parties will likely sit down and see if in-person conventions need to be changed at all. Do parties need a full week of expensive arena space? Or would that money be better spent on staffing in swing states? Will Americans tune in like they did in 2016 this year? These are just some of the questions that will be asked following the conventions. 2023

The Centers for Disease Control and Prevention is now publicly acknowledging people can be infected with the coronavirus through airborne transmission, especially in enclosed spaces with inadequate ventilation.The update embraces growing evidence and international research showing the coronavirus can linger in the air longer - for minutes and hours - and travel farther than six feet.The update comes two weeks after the official CDC website was updated to reflect this, only to be removed a few days later with the agency saying it was “posted in error” before it was fully reviewed.The draft language seemed to imply aerosol or airborne transmission was the main way the coronavirus spreads, and the CDC says that is not the case.“Infections occur mainly through exposure to respiratory droplets when a person is in close contact with someone who has COVID-19,” the CDC states.Their added section is titled “COVID-19 can sometimes be spread by airborne transmission,” and includes information about smaller particles lingering in the air after an infected person had left the space. "Some infections can be spread by exposure to virus in small droplets and particles that can linger in the air for minutes to hours," it reads.“There is evidence that under certain conditions, people with COVID-19 seem to have infected others who were more than 6 feet away. These transmissions occurred within enclosed spaces that had inadequate ventilation. Sometimes the infected person was breathing heavily, for example while singing or exercising,” the new section on the CDC’s website reads. “These transmissions occurred within enclosed spaces that had inadequate ventilation.”The World Health Organization changed their guidance in July and noted the prevalence of airborne transmission of coronavirus and particles lingering in the air. Hundreds of scientists encouraged the WHO to make the acknowledgement following research and studies. 1943

The Florida Senate race is headed to a hand recount after a machine review of the initial vote kept Democratic Sen. Bill Nelson narrowly behind his challenger, Republican Gov. Rick Scott.But even though a recount will keep Nelson in the fight for at least another few days, his odds of winning might have been further narrowed on Thursday, when the machine recount — which ended at the 3 p.m. deadline — yielded a few dozen more votes for Scott, whose lead now stands at more than 12,600, or 0.15%.The race for governor remained outside the 0.25% margin required for a hand recount, meaning Republican former Rep. Ron DeSantis will likely be the state's next chief executive over Democrat Andrew Gillum. The Tallahassee mayor, who picked up a single vote in the recount, revoked his concession last weekend and said on Thursday he would continue to push for all votes to be counted.Election boards across the state have been using voting machines to recount ballots this week, with some of the larger counties working all day and through the night. When Thursday's deadline hit, three statewide races -- the contests between Nelson and Scott for Senate; Gillum and DeSantis for governor; and Republican Matt Caldwell and Democrat Nikki Fried for agriculture commissioner -- were within the .5% margin required for a statewide machine recount.Both the Senate and agricultural commissioner races are now headed to hand review of overvotes and undervotes, a more narrowly circumscribed but also potentially volatile pool of votes. These are ballots where the voter appeared to tick off more candidates than allowed (overvotes) or on which they voted for fewer candidates than allowed (undervotes).Palm Beach County failed to meet the recount deadline, meaning last week's unofficial count out of Palm Beach County is the one that it will take into the next phase of recounts.Hours before the machine recount cutoff, a federal judge in Tallahassee rejected a Democratic motion to extend the deadline beyond 3 p.m.Nelson's campaign and the Democratic Senatorial Campaign Committee had argued that all recount deadlines should be lifted for however long the counties determined necessary to conclude their work."The Florida legislature chose to define emergency narrowly -- only as an event that results or may result in substantial injury or harm to the population or substantial damage to or loss of property," Judge Mark Walker wrote in explaining his decision. "The emergency exception does not apply in this case, where the delay is the result of outdated and malfunctioning vote-counting technology."Palm Beach County has been hampered repeatedly by faltering machinery and shoddy infrastructure.Susan Bucher, the county's supervisor of elections, told reporters on Thursday she would take "full responsibility" if the county failed — as it eventually did -- to meet Thursday's deadline."It was not for lack of human effort ... it was so incredible, and I thank everybody who participated," she said. Bucher had told reporters a little more than 24 hours earlier that she was in "prayer mode." That seemed to be an upgrade on her predictions from earlier in the week, when on Sunday, hours after the recount began, she said that completing it on time would be "impossible."Bucher's worries were compounded on Tuesday when the county's old and overheated machines malfunctioned, forcing officials to start their recount of early votes from scratch. By Wednesday, the already distant hopes of an on-time finish seemed to be slipping away.CNN observed long stretches of inaction on the floor of the cavernous facility which has been occupied by reporters, lawyers and operatives from both parties, and volunteers who have been working -- when the hardware complies -- day and night."It's an unusual request to make of your staff. You know, can you leave your kids behind, stay here and I'll feed you sub sandwiches and pizza and you'll work your brains out," Bucher said on Wednesday. "We're trying to meet a deadline that really reasonably shouldn't be there."But the court disagreed and a spokeswoman for the Florida Department of State told CNN on Sunday that Florida law does not give the secretary of state the authority to grant extensions.Palm Beach County GOP Chairman Michael Barnett told CNN on that afternoon that a blown deadline would be "good news for Republicans, because our candidates (for Senate and governor) are ahead.""If they're not able to meet the deadline, the secretary of state of Florida may go ahead and certify the elections for our candidates," Barnett said. "In that case, you can bet your butt there will be lawsuits filed everywhere."The wager would have been a wise one. Democratic attorney Marc Elias announced new legal action on Twitter less than 90 minutes after the deadline passed."We have sued Palm Beach County and the Florida Sec of State to require a hand count of all ballots in the county due to systematic machine failure during the machine recount," Nelson's top recount lawyer said.Barnett, who was inside the facility along with Democrats early on in the recount, was critical of the infrastructure there from the start."It's an outdated process," he said. "The machinery is old. They don't have enough updated machinery to go through all the ballots to run one election, let alone all three statewide races."As of 4 p.m. Wednesday, at least 48 of Florida's 67 counties had finished their recounts. Every one of them reached by CNN, with the exception of Palm Beach, expressed confidence they would get in under the wire — and they mostly did. Hillsborough County said it did a full machine recount but chose to report its initial numbers, which were higher in aggregate, because the figures were so similar.Meanwhile, a federal judge Thursday denied a request by lawyers for Nelson and other Democrats who has asked him to compel Florida's secretary of state to release the names of people whose ballots had not been counted because their signatures did not match ones on file.Judge Mark Walker took a dim view of how the Democrats and Republicans might put the information to work."I am not going to be used by either party," Walker told the lawyers. "That's the kind of gamesmanship that would undermine our democracy further."This case has been appealed to the 11th Circuit by lawyers for Scott, the secretary of state and others.Mark Early, the Leon County supervisor of elections, testified in an earlier hearing on a different case about the vote by mail process, that he could count the late ballots in about four hours. But said there would be an increased burden on his staff.Walker did not rule in the case, which could allow vote-by-mail ballots received after the deadline be counted. 6753