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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 Columbus Zoo in Ohio said visitors helped find a red panda that zookeepers discovered was missing on Wednesday.According to the zoo, visitors notified the zoo that they had spotted Kora, the red panda, around 4:43 p.m. on Thursday near the panda's habitat. The zoo said that after trying to coax the red panda down from a tree, the zoo used a tranquilizer."Amid clapping and happy tears from Zoo team members, the sleeping Kora was placed in her crate and taken to the Zoo’s Animal Health Center for evaluation where she was provided care and given a clean bill of health," the zoo said. "Kora has since been returned to her habitat in Asia Quest, where she will have the opportunity to reunite with her cubs when she wakes. Her care team will continue their overnight watch to ensure they continue to do well, and red panda father, General Tso, will have the opportunity to join them in the morning."The zoo said that the panda didn't pose a threat to the public, but was “eager” to find her.The zoo said that it had moved all of its Asia Quest animals to indoor habitats as officials continue to scour the zoo. The panda had not been seen since Tuesday evening.The red panda is roughly the size of a racoon, and is not a threatening animal. She has two nursing cubs, and the zoo said it had to feed her cubs by using a specialized formula while she was missing.The zoo is one of the busiest in the United States, attracting nearly 2.5 million visitors a year. 1474

The FBI has fired Peter Strzok, an agent who was removed from the Russia probe last year for sending text messages disparaging President Donald Trump, Strzok's lawyer said Monday.Aitan Goelman, Strzok's attorney, said FBI Deputy Director David Bowdich ordered the agent's termination on Friday. Goelman said that the deputy director's decision comes after the head of the office that normally handles disciplinary actions decided Strzok should instead face a demotion and 60-day suspension."The decision to fire Special Agent Strzok is not only a departure from typical Bureau practice, but also contradicts (FBI) Director (Christopher) Wray's testimony to Congress and his assurances that the FBI intended to follow its regular process in this and all personnel matters," Goelman said in his statement.The FBI declined to comment on Goelman's assertions.Strzok played a lead role in the investigation into Hillary Clinton's private email server and was involved in the FBI's recommendation that no criminal charges be filed against the former secretary of state. He later helped oversee the beginnings of the probe into Russian meddling in the 2016 election, and his involvement in both investigations has been seized on by Republicans as evidence of anti-Trump bias in the bureau and those investigating potential coordination between the Trump campaign and Moscow.The President tweeted about the firing Monday afternoon, calling Strzok a "total fraud" and repeated his claim that there was no collusion nor that he obstructed justice."Agent Peter Strzok was just fired from the FBI - finally. The list of bad players in the FBI & DOJ gets longer & longer. Based on the fact that Strzok was in charge of the Witch Hunt, will it be dropped? It is a total Hoax. No Collusion, No Obstruction - I just fight back!" Trump wrote, adding in another tweet, "Just fired Agent Strzok, formerly of the FBI, was in charge of the Crooked Hillary Clinton sham investigation. It was a total fraud on the American public and should be properly redone!"Because Strzok, who is 48, was fired before his 50th birthday, he potentially stands to lose a portion of his pension benefits.His firing was earlier reported by The Washington Post. 2236

The chairwoman of the Republican National Committee, Ronna McDaniel, has tested positive for coronavirus, according to multiple reports.The New York Times reports McDaniel is experiencing mild symptoms and is quarantining in Michigan.She was last with President Donald Trump last Friday, and the NYT says she received her diagnosis on Wednesday. 353

The country’s cybersecurity agency says the hacking campaign discovered earlier this month was “impacting” local governments, in addition to federal and state entities and businesses.In a statement this week, CISA said they are still tracking the “significant cyber incident impacting enterprise networks across federal, state, and local governments, as well as critical infrastructure entities and other private sector organizations.”However, the agency did not give specific examples or further details like how many state and local governments were impacted. The hackers were able to get access to government and business networks through the IT management company SolarWinds’s Orion software supply chain, which are used by government and private businesses. The hack was discovered this month, however officials believe it has been going on for several months.CISA says just because we are aware of the hack doesn’t mean the threat is gone. They warn the hackers have “the resources, patience, and expertise to gain access to and privileges over highly sensitive information if left unchecked. CISA urges organizations to prioritize measures to identify and address this threat.”Last week, the Cybersecurity and Infrastructure Security Agency said the hack posed a “grave threat” to security U.S. government agencies, critical infrastructure entities and private groups.CISA also said at the time the SolarWinds Orion vulnerability was not the only way that hackers were able to get into government agencies, private companies and critical infrastructures over the last several months."CISA has determined that this threat poses a grave risk to the Federal Government and state, local, tribal, and territorial governments as well as critical infrastructure entities and other private sector organizations," the alert issued by the agency said. "CISA expects that removing this threat actor from compromised environments will be highly complex and challenging for organizations."So far, several federal agencies, including the Treasury and Department of Energy, have indicated they were impacted, and Microsoft is reporting in a blog post more than 40 customers around the world appear to have been targeted in the hack.Multiple U.S. officials have implicated Russia in the hack. However, President Donald Trump has not said much about it, other than a tweet that eluded it may have been China who was responsible. 2426

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