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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 deaths of 22 more children from flu-related causes were reported Friday by the US Centers for Disease Control and Prevention in its weekly surveillance report.Those deaths bring the total number of children reported to have died to 84 since October, when the current flu season began. Three out of four children who died from the flu had not gotten a flu vaccine, the acting director of the CDC said in a Thursday news conference. "We continue to recommend parents get their children vaccinated even though it's late in the season," Dr. Anne Schuchat said. The season may continue for several more weeks, she added.  633

The Chardon (Ohio) Fire Department is investigating a school bus that was on fire overnight in the district's bus lot.Shortly after 5 a.m. on Thursday, an employee arrived at 355 Maple Avenue, where the bus lot is located, and noticed a bus had been burned in a fire. As a precaution, the fire department extinguished any hot spots. Authorities are still investigating the cause of the fire, but they said they believe it was set intentionally.A few other buses were parked nearby the burned bus, but they appeared unscathed.   575

The CEO of a skincare company has issued an apology after she accused a man of "defacing private property" by chalking the words "Black Lives Matter" on the building where he lives in San Francisco.The CEO of LAFACE skincare, Lisa Alexander, issued a public apology to James Juanillo, the man she accosted."The last 48 hours has taught me that my actions were those of someone who is not aware of the damage caused by being ignorant and naive to racial inequalities. When I watch the video I am shocked and sad that I behaved the way I did. It was disrespectful to Mr. Juanillo and I am deeply sorry for that," Alexander's statement read, in part.The video, posted to social media on Friday, shows Alexander and another man, later identified as Robert Larkin, speaking with Juanillo. In the video, Alexander accuses Juanillo of "defacing private property" as he stenciled "Black Lives Matter" in yellow chalk on a wall at his home.Alexander and Larkin told Jaunillo that he was "free to express his opinion," but "that was not the way to do it."Juanillo then asked if it would be OK if he were chalking his own property. Alexander and Larkin said that they knew Juanillo didn't own the property because they "knew who lived there."Juanillo encouraged Alexander and Larkin to call the police if they felt unsafe. Juanillo told KGO in San Francisco that the two did call the police, but when officers arrived, they quickly recognized Juanillo as a resident."I didn't even show (the police) my ID," Juanillo told KGO.KGO also spoke to one of the property owners, who said he does not know Alexander or Larkin.The video of the incident spread quickly on social media, with many referring to Alexander as a "Karen" — a slang term for an entitled woman, often used in the context of racism.Alexander's identity was not independently confirmed until she came forward to apologize. However, Birchbox — a makeup subscription service — released a statement on Twitter denouncing Alexander's actions after Twitter users brought the video to their attention. Birchbox said that it had not worked with LAFACE in "several years," but nonetheless had "officially cut ties with the company."The video also prompted trolls to leave negative Yelp reviews of a Los Angeles-based skincare store, My LA Face, which has no connection to Alexander or her business, LAFACE. A representative for Yelp told KGO that those negative reviews would be removed.Read Alexander's full statement below.I want to apologize directly to Mr. Juanillo. There are not enough words to describe how truly sorry I am for being disrespectful to him last Tuesday when I made the decision to question him about what he was doing in front of his home. I should have minded my own business.The last 48 hours has taught me that my actions were those of someone who is not aware of the damage caused by being ignorant and naive to racial inequalities. When I watch the video I am shocked and sad that I behaved the way I did. It was disrespectful to Mr. Juanillo and I am deeply sorry for that. I did not realize at the time that my actions were racist and have learned a painful lesson. I am taking a hard look at the meaning behind white privilege and am committed to growing from this experience. I would love to have coffee with Mr. Juanillo in our neighborhood so I can apologize in person and share a dialogue where I can continue to learn and grow and be a better person.Robert Larkin also issued an apology statement.Over the last two days, I have had my eyes opened wide to my own ignorance of racial inequity, and I have thought a lot about my own personal blind spots. I was wrong to question Mr. Juanillo, and I was wrong to call the neighborhood police watch. It was wrong, and I am profoundly sorry for treating him with disrespect.I have a lot to learn about how racism impacts people in their lives, daily, I have hurt my neighbor. I am full of regret and very sorry. I am hoping to meet with him soon to express my sincere apology and to ask for his forgiveness and guidance in helping me begin the journey towards being a kinder, more thoughtful and sensitive person. 4144

The Commission on Presidential Debates announced that they've officially canceled the Oct. 15 debate between President Donald Trump and Democratic presidential nominee Joe Biden.In a press release, the commission stated that since both candidates made different arrangements for Oct. 15, the commission will focus on the third and final presidential debate, which is slated for Oct. 22."Subject to health security considerations, and in accordance with all required testing, masking, social distancing, and other protocols, the debate will take place at Belmont University in Nashville, Tennessee," the commission said in the press release.The move to a virtual debate was as a precaution since Trump tested positive for COVID-19 last week.Trump was airlifted to Walter Reed Medical Center last Friday and then discharged from Walter Reed on Monday.According to the Associated Press, The White House has been mum about releasing any information as to when the president last tested negative for the virus.Trump told Fox Business that he would not "waste his time" with a virtual debate.CNN reported that because of Trump backing out and Biden agreeing to do a town hall with ABC, the commission didn't see the Oct. 15 debate likely happening.NPR reported that another reason behind the cancelation was because the Trump campaign and the commission couldn't agree on safety protocols.The Oct. 22 debate will be divided into six 15-minute segments. NBC News' Kristen Welker, who will be serving as the moderator for the debate, will announce the topics sometime next week.Both candidates have agreed to participate in the Oct. 22 debate, the commission noted. 1665