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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 round of the NFL Draft got underway Thursday evening and Oklahoma quarterback Baker Mayfield was selected as the first overall draft pick by the Cleveland Browns. Mayfield will likely take over as Cleveland's starting quarterback in the fall after the Browns finished the 2017 season with a winless 0-16 record. Mayfield was a three-year starter at Oklahoma after starting one season for Texas Tech. He threw for 131 touchdowns over his four collegiate years, which is fourth all time in NCAA Division I history. According to most NFL Draft experts, five college quarterbacks will likely be selected in the first round on Thursday. The group includes USC's Sam Darnold, Oklahoma's Baker Mayfield, Wyoming's Josh Allen, UCLA's Josh Rosen and Louisville's Lamar Jackson.  807

The Dow Jones Industrial Average traded above 30,000 points for the first time Tuesday.The crest came as investors were encouraged by the latest progress on developing coronavirus vaccines and news that the transition of power in the U.S. to President-elect Joe Biden will finally begin.Traders were also encouraged by news that Biden had selected Janet Yellen, a widely respected former Federal Reserve chair, as treasury secretary.The Dow rose more than 400 points, or 1.4%, to trade just over 30,000 midday Tuesday. The S&P 500 index, which has a far greater impact on 401(k) accounts than the Dow, rose 1.3%.Shortly after the Dow crested, President Donald Trump delivered remarks at the White House, congratulating his administration and the people of the U.S.“The stock market has just broken 30,000, never been broken, that number, that’s a sacred number, 30,000. Nobody thought they’d ever see it,” said Trump. “That’s the 9th time since the beginning of 2020 and it’s the 48th time that we’ve broken records during the Trump administration. And I just want to congratulate all the people within the administration that work so hard. And most importantly, I want to congratulate the people of our country, because there are no people like you.”Like others, Trump attributed the success of the stock market to the promising news that multiple vaccines are proving to be effective and headed for FDA approval.“Despite everything that’s taken place with the pandemic, I’m very thrilled with what’s happened on the vaccine front,” said Trump. “That’s been absolutely incredible. Nothing like that has ever happened medically and I think people are acknowledging that and it’s having a big effect.”Trump, who often speaks for long periods of time and has sparred with the media in the past, kept Tuesday’s remarks short and didn’t take questions as reporters asked him why he hasn’t conceded to Biden for the good of the country.Watch the president’s remarks below: 1979

The focus of many protests going on around the country is centered around a number of topics. Social Injustice, police brutality, and, more specifically, victims of these, like George Floyd. While each topic is distinct, with its own intricacies, they generally all fall under the same umbrella of systemic racism.But what does that mean exactly?“I think of systems in play that keeps you from being great specifically because of your race,” R. Kweku Smith, a licensed psychologist said. “It’s something that holds you down in a way that appears to be invisible but has very visible results.”“It’s acknowledging the ways in which we have looked at race as part of the institutions that make up our lives,” Monique Liston, Chief Strategist at Ubuntu Research and Evaluation said. “There is no such thing as a race-neutral situation because race is so deeply embedded in what it means to live, to work, and to play. That’s what systemic racism is.”Liston has her Ph.D. in urban education. She says, as a Black woman, she experiences the effects of systemic racism regularly when people discount her expertise in the education field.“I say something about education and I have a Ph.D. in it and people will be like, I don’t think so,” Liston said of how people question her. “There is presumed incompetence, a presumed questioning. That assumption you don’t quite know what you’re talking about.”As a psychologist, R. Kweku Smith looks at the impact experiences, like the one Liston described, can impact the psyche of African Americans.“It weighs extremely heavy,” Smith said. “Part of that racial socialization, part of that talk is a speech that you have [growing up], that you have to be twice as good to get half as far. As a child, imagine the ramifications on your mind and thinking, you hear America is a place for the great, for the free, equal opportunity for all. It’s the contradiction living within it. To be in a place that’s most beautiful, the riches, all of the great things that come with America. Yet, the juxtaposition with all the ugliness that comes in, specifically the people who look [like me], it’s a hard thing to swallow.”Smith says there are examples of systemic racism in almost everything.“When you look at stillbirths, low birth rates, look at detentions and suspensions and special education,” Smith said. “Lower employment, underemployment, prison placement, early deaths. We rank high on all of those. Why is that? It’s systemic racism.”Both Liston and Smith acknowledge some people don’t believe systemic racism exists, despite pointing out the areas where African Americans are impacted disproportionately. They say, because white people don’t physically experience any of these issues on a wide scale, it’s hard to believe it’s true.“If it’s this invisible issue, you don’t have to deal with it,” Smith said. “It doesn’t seem real.”“It’s easy to acknowledge something doesn’t exist when it doesn’t affect you,” Liston said. “It’s denying air exists when I don’t see it. It’s like, OK. True. But, when I go through the science of why you’re breathing, air does exist. The same thing applies to systemic racism. The reason you’re not impacted by it is that it exists.”While Smith’s examples were some big picture issues facing people of color in health, education, and the prison system, Liston gave examples that are more personal and not as complex but still cause challenges.“People being judged by names on job applications,” Liston said. “A name similar to mine, Monique, might be something where, oh we can’t hire her. She’s not someone we’re looking for. Another one is addresses. When you have addresses on job applications, we don’t want someone represented from that neighborhood. It comes into inherently believing I’m incompetent because I'm Black.”Even daily tasks for women like Liston are impacted by systemic racism.“Is it easy for me to buy stuff for my hair at the store?” Liston said. “No. Is it easy for me to buy the makeup I want? Absolutely. If I needed something special for my hair, I had to go someplace else other than where my friends were going. It’s like the world is set up for me to be used to, not being catered to. That’s the difference. The world doesn’t cater to me and I’m used to it. The world caters to white folks and they’re used to that.”In order to better understand what systemic racism feels like, Liston gave the example of swimming.“Tell me about one of your experiences going swimming,” Liston said. “Then, someone says, no you didn’t. That’s not how it felt. That’s not what you experienced.”Liston says, that process repeats itself over and over for people of color. It can take a toll on them mentally, leaving to them feeling their experiences, opinions and really, their existence, doesn’t matter.Even though she joked around about how ridiculous some of her examples are, Liston says it causes a tremendous amount of pain for her. Humor is a coping mechanism for her but it shouldn’t be taken as a reason to further discount her experience as a Black woman.“It’s hard for white folks to reconcile that, amidst an anti-Black world, I can experience joy,” Liston said. “It’s hard to believe. Folks won’t take my story as seriously. [They’ll say], it can’t be that bad. You’re smiling. You’re happy. You’re enjoying life. It’s like, no. If I didn’t, the world would kill me.”It’s why she and Smith are so motivated to try and tear down systemic racism and make the world a more equitable place. Despite their own success, they feel an obligation to break down barriers they faced along the way to achieve that equity.“What you don’t recognize is the level of tenacity, resilience, perseverance to obstacles we have had to go through to be able to get to this point,” Smith said. “What would be the case if everyone had a truly level playing field? When you see systemic racism as a Black person who made it, you see all of your friends and families, who are just as talented as you, but maybe not as lucky to get a second or third chance. Or, maybe one of those obstacles got them in a way it didn’t get you.”In order to eliminate systemic racism and the problems it causes, Liston and Smith both just ask for empathy. To understand the white view of the world isn’t the view of every person in the world and the disadvantages they have faced are very real.“We have different ways oppression affects our lives,” Liston said. “In particular, talking to women, they can articulate what it’s like being in a male-dominated society. Let’s put race on top of that. Being able-ist. People with two arms and legs and can move about are living in a different world than folks who don’t have that. Including mental ability too. Being able to be in a space where that is questioned and adding the race question on top of that usually is the ah-ha moment for people. If it’s true here, it must be true in this circumstance as well.”In order to help, Liston suggests white people have more empathy and most importantly, believe their experiences."Follow and trust people of color, specifically Black women, when they tell you what the situation is," Liston said. "Trust it, read on it, and believe it. Then apply it to your own life. Second, unlearning and understanding what whiteness is. White folks don't do that. They want to learn about all of these culturally responsible things. Really, it's an opportunity for white folks to understand whiteness. If white people understand whiteness, the systemic racism issue can really be addressed quickly. Whiteness shapes the world we live in. Everything from the clothes we wear to what's popular on television or who is promoted at work, what names are popular this year. How the media even tells stories. Understand how whiteness was created, who was allowed to be white and how whiteness permeates society is really a great exercise for white folks to go through."This story was first reported by Shaun Gallagher at TMJ4 in Milwaukee, Wisconsin. 7976

The driver who plowed down pedestrians and cyclists on a New York bike path is a "soldier of the caliphate," the ISIS terror group said on its weekly newspaper, without providing evidence to back up its claim.The attack Tuesday killed eight people and left more than a dozen others injured."One of the Islamic State soldiers in America attacked on Tuesday a number of crusaders on a street in New York City," the al-Naba newspaper reported Thursday.The terror group provided no evidence that ISIS had knowledge of the attack before it happened or it was involved in planning it. The article did not name the attacker.Suspect Sayfullo Habibullaevic Saipov has told authorities that he was inspired to carry out the attack after watching ISIS videos and closely followed the terror group's playbook for an attack.While ISIS did not claim direct responsibility for the attack, it described the attacker as one of its soldiers.Suspect's link to ISISThe 29-year-old Uzbek native was charged with providing material support to ISIS, violence and destruction of motor vehicles, said Joon H. Kim, acting US attorney for the Southern District of New York.Saipov drove a rental truck down a bike path in New York's Lower Manhattan, crashed into a school bus and then jumped out, brandishing imitation firearms, officials said. He was shot by New York police Officer Ryan Nash in the abdomen and taken into custody.He didn't enter a plea Wednesday to the federal terror charges.Saipov was so devoted to ISIS, he wanted to display the terror group's flag in his hospital room, documents show. He had about 90 videos and 3,800 images on a cell phone featuring ISIS propaganda, including video of a beheading, according to the complaint.This is the first time the terror group has put such a claim on its newspaper before releasing it on its media wing, Amaq news agency, which is its first point of publication for claims of responsibility.The wording of the ISIS statement -- not claiming the attack as an outright act of ISIS and saying the person carrying the attack is one of its "soldiers" -- mirrors ISIS' language in statements after an attack in France and the nightclub shooting in Orlando last year.No warning signsThose who crossed Saipov's path are trying to reconcile the man they met and the one they are now hearing about.When approached in the lobby of her Brooklyn apartment building, the suspect's mother-in-law said she was in shock."I don't know what happened," she said.Those who knew him in Tashkent, Uzbekistan, and in at least three states he bounced between since coming to America say they saw no warning signs of Saipov being radicalized."He was happy that he was here, he had a family here, and he was a truck driver and his business was really good," said Makhina Kadirova, a childhood friend.His neighbors described him as a quiet and said his family didn't socialize often.Trump calls for death penaltyOn Twitter, President Donald Trump said Saipov should be executed and added that he "would love" to send him to the Guantanamo Bay detention camp in Cuba."NYC terrorist was happy as he asked to hang ISIS flag in his hospital room. He killed 8 people, badly injured 12. SHOULD GET DEATH PENALTY!' the President tweeted Wednesday night.Presidents typically do not comment on pending criminal cases because their statements could be seen as influencing a potential jury pool.Concrete barriersThe Lower Manhattan bike path where the attack took place has reopened, CNN affiliate WPIX reported, as New York started installing concrete barriers to prevent similar terror incidentsThe work started Thursday as part of a statewide review of shared-use paths, according to the New York State Department of Transportation.A total of 57 barriers are being positioned diagonally along the path, leaving enough space for bicycles but not for larger vehicles, CNN affiliate WABC reported. But some local cyclists think the barriers are problematic."There's no way two bikes can pass each other there and the runners as well," New York City resident James Petty told WABC. "There's going to be accidents."Similar concrete barriers were placed in May after a man drove a car onto a crowded sidewalk in Times Square, killing a teenage woman and injuring at least 22 people.  4290

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