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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 delayed Tokyo Olympics could not be held next year if conditions surrounding the coronavirus pandemic continue as they are, the president of the organizing committee said Wednesday.In an interview with Japanese broadcaster NHK, Yoshiro Mori said he was hopeful the situation would improve and suggested a vaccine was the key.“If this kind of situation (with COVID-19) continues, is it possible to hold the games?” Mori was asked by NHK.“If current situation continues, we couldn’t,” Mori replied, speaking in Japanese.The Tokyo Olympics are scheduled to open on July 23, 2021 — a year from Thursday. A small, 15-minute ceremony without fans is scheduled for Thursday at the new national stadium to mark the date.The International Olympic Committee and Japanese organizers have repeatedly expressed confidence the games will take place, though they have offered few details on how they can happen in the middle of a pandemic.The IOC and organizers have also said the Olympics will not be postponed again and would be canceled.“It would be too much for us to answer each of these hypothetical questions,” Mori said. “I don’t think this situation will last for another year.”Researchers have said a vaccine could be six-to-nine months away, which Mori said was the key. Some, however, question if young athletes should be a priority, and if all would agree to be vaccinated.“Whether the Olympics can be done or not is about whether humanity can beat the coronavirus,” Mori said. “Specifically, to develop a vaccine or drug is the first point.”Organizers and the IOC say they want to simplify the games to help reduce the soaring costs. But officials cannot say now if fans will be permitted next year, or if athletes will face quarantines. They say few details will be available until the fall.Plans call for the full contingent of 11,000 Olympic athletes and 4,400 Paralympic athletes to be competing at 42 venues.About 1,000 deaths in Japan have been attributed to the coronavirus. Tokyo has seen a rising number of daily cases in the last few weeks, which reached a high of almost 300 last week.But the numbers are relatively modest for a metropolitan area of 14 million.___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports 2265

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 COVID-19 pandemic has impacted businesses and industries around the country as unemployment rates are at historic highs and many are wondering how and when our economy will recover."One of the biggest impacts is going to be on workers' wages. They’re not going to recover for years. So we’re going to see zero wage increases probably for several years moving forward more than the Great Recession (of 2008 and 2009) because this hit was more than the Great Recession," says Jack Strauss, the Chair of Applied Economics at the University of Denver.Strauss predicts wages will likely stay stagnant in almost all industries. In some cases, some people will see their wages go down."This is the first time many are being cut. University of Arizona, University of Denver, where I’m from, and other universities, we have had wage cuts of 5-10%. Didn’t happen in 2008; we were frozen. But this is the first time 5-10%" says Strauss.In California, the Fresno Regional Workforce Development Board works to help businesses find qualified workers and the unemployed find their next job. Executive Director Blake Konczal says he doesn't expect people to start to really look for another job until unemployment benefits run dry. But once they do, there will be a mad dash for any available jobs."When you’re looking for work, when unemployment is that rampant, the question regrettably isn’t, ‘Why aren’t I getting a higher wage?’ People want a wage," says Konczal.The good news, though, is that economists don't expect the cost of living to increase much.“Because wages have been low, demand has been low, so the cost of living has only gone up gradually," says Strauss.But with high unemployment and few wage increases, people will likely be spending less."That negative effect will be moving forward in a lot of industries relying on discretionary items because you're still going to buy food, because that’s a necessity, but you’re not going to go on a vacation, you’re not going to buy a new car," says Strauss.Konczal is worried about how this economic downturn will affect small businesses…“And the people who worked for them,” Konczal said. “In nine out of 10 times those types of businesses are the strength of our economy, sets us apart. But in this particular quixotic COVID environment, they’re the ones who are really getting hammered."Even before the pandemic, experts say there was still a high demand for qualified employees. And just like the Great Recession, our new economic reality could have some people heading back to school in order to land a job or higher wage. 2585

The cougar spotted traveling through Brookfield, Wisconsin last week was caught on video on someone's front porch.Surveillance video shared with Scripps station TMJ4 in Milwaukee by Dan and Bridget Guerndt shows the cougar coming out from trees. The cougar goes up the residents' driveway and puts its paws on the front window.The footage was captured at 6:30 a.m. on Sunday, February 18.On Saturday, a Brookfield resident called the Department of Natural Resources when they saw a cougar lying in their backyard, under a pine tree.Though they confirmed the animal was a cougar, officers were unable to neutralize it because of the surrounding homes and thick brush.DNR agents went back to the scene on Sunday morning, but the cougar was gone.The fifty pounds and approximately 1-year-old cougar was tracked, but the trail was lost.Experts believe this cougar was the same one that was spotted in Washington County two weeks ago. 967

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