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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 European Union has announced it will reopen its borders to travelers from 14 countries, but most Americans have been refused entry for at least another two weeks due to soaring coronavirus infections in the U.S. Travelers from other big countries like Russia, Brazil and India will also miss out. Citizens from the following countries will be allowed into the EU’s 27 members and four other nations in Europe’s visa-free Schengen travel zone: Algeria, Australia, Canada, Georgia, Japan, Montenegro, Morocco, New Zealand, Rwanda, Serbia, South Korea, Thailand, Tunisia and Uruguay. The EU said China is “subject to confirmation of reciprocity,” meaning it must lift all restrictions on European citizens entering China before it will allow Chinese citizens back in.Tuesday’s decree will not apply to travel to Britain, which left the EU in January. Britain now requires all incoming travellers — bar a few exceptions like truck drivers — to go into a self-imposed 14-day quarantine, although the measure is under review and is likely to ease in the coming weeks. The requirement also applies to U.K. citizens.The list of permitted nations is to be updated every 14 days, with new countries being added or even dropping off depending on if they are keeping the disease under control.The daily number of new confirmed cases in the United States has surged over the past week. The U.S. has the world’s worst coronavirus outbreak, with nearly 2.6 million people confirmed infected and over 126,000 dead, according to a tally by Johns Hopkins University that experts say understates the pandemic’s true toll due to limited testing and other reasons.In March, President Donald Trump suspended all people from Europe’s ID check-free travel zone from entering the U.S.The EU imposed restrictions on non-essential travel to its 27 nations, plus Iceland, Liechtenstein, Norway and Switzerland, which are part of the Schengen open-borders area, in March to halt the spread of the virus. Non-EU citizens who are already living in Europe are not included in the ban.More than 15 million Americans are estimated to travel to Europe annually, and any delay would be a further blow to virus-ravaged economies and tourism sectors on both sides of the Atlantic. Around 10 million Europeans are thought to cross the Atlantic for vacations and business each year.___Follow AP coverage of the pandemic at https://apnews.com/VirusOutbreak and https://apnews.com/UnderstandingtheOutbreak 2475
The COVID-19 pandemic has given a new perspective to many people across the world. For some women, it's made them consider whether the career they've chosen is the right one.A new survey by AllBright Collective, a membership-based club created by women that aims to provide inspiration, career coaching, networking and more for women around the world, shows many women are ready for a change."And so what we wanted to do was, rather than just guess what people were thinking, we wanted to do this global survey to really try and understand how women were thinking about their careers when we emerge," said Anna Jones, the CEO of AllBright Collective. "And we were actually very pleasantly surprised."Jones says AllBright surveyed 800 members during the pandemic, and 61% of them said they were going to be pivoting in their career."Now, that may mean pivoting to a different industry or different job, or it may be pivoting within the organization they're working in. But we were very pleasantly surprised that it was quite positive and women were very keen to kind of grab this time as an opportunity and make their ambitions a reality," Jones said.The survey also showed 25% of women were already in the process of changing their careers."I think we've all gotten used to working in a different way," Jones said. "We're all sitting on Zoom and connecting digitally in a way that we could never have imagined. I think for many women who wanted to work more flexibly, they're proving that they can."Elizabeth Middleton, a former teacher and mom of four, isn't surprised by the survey's results. She, too, is in the middle of a career change, starting her own business, Forward Function Health."It's been a major life shift," Middleton said. "I knew — and it wasn't just because of this pandemic, fortunately — before the pandemic, I was making this shift. But the pandemic just confirmed that it's the best for my family and self, and I think the pandemic has woken everybody up. It woke me up."Middleton is nearly finished with her courses relating to nutrition and wellness counseling and is thrilled to find a career that fills her soul."We launch fully in 2021. However, I've had already quite a few people on board with needs with this coronavirus," Middleton said. "I'm looking forward to helping people.""I also think that maybe it's just that we've had a bit of time," Jones said. "Admittedly, people have been juggling a lot. Juggling their households, chores and household responsibilities and their work but I think we've all had a little bit more time to think about, Well what would we like to do?"AllBright is hoping to continue working with its members who need additional support to make their new career moves — taking newfound time at home and turning a business idea into a reality. 2809
The CDC could take over handling COVID-19 data coming in from states and medical facilities again, according to media reports.This week, during a briefing on a visit to Arkansas, Dr. Deborah Birx said the CDC is working "to build a revolutionary new data system so it can be moved back to the CDC" for tracking COVID-19 treatment, patients and PPE needs, according to the Wall Street Journal.The CDC’s National Healthcare Safety Network site had been tracking COVID-19 cases and data since the pandemic started.Then, abruptly in mid-July, hospitals and states were asked to stop using it and send their information directly to Health and Human Services, and a new database created by private contractor TeleTracking.The request was initially made in an effort to cut down on duplicate requests and minimize the reporting burden on hospitals and facilities.However, many hospitals, state officials and journalists noted the numbers in the new system seemed incomplete and the database was slow to update.The CDC is reportedly working with the U.S. Digital Service, according to the WSJ, an agency set up during the Obama administration to help improve HealthCare.gov, the marketplace for insurance plans that are part of the Affordable Care Act.There was no timeline mentioned as part of Dr. Birx’s comments, according to NPR. 1333
The Centers for Disease Control and Prevention said on Thursday that it’s investigating salmonella cases linked to pet bearded dragons and hedgehogs.The CDC said that 13 salmonella infections in eight states have been potentially tied to handling the pets. The CDC confirmed that seven of the infections resulted in hospitalizations. Ten of the 13 ill people reported contact with a bearded dragon.Those who reported illnesses said they purchased bearded dragons from pet stores, but a common supplier has not been identified.The CDC said that two similar outbreaks were tied to hedgehogs in the last decade.The CDC offers owners of pet bearded dragons and hedgehogs the following tips:Always wash hands thoroughly with soap and water right after touching your pet or anything in its environment.Don’t kiss or snuggle your pet because this can spread Salmonella germs to your face and mouth and make youKeep your pet out of your kitchen and other areas where you eat, store, or prepare food.Clean items you use to care for your pet outside the house, if possible. If you clean the items indoors, clean them in a laundry sink or bathtub. Make sure to thoroughly disinfect the area right after.Don’t let children younger than 5 touch the bearded dragon or hedgehog because young children are more likely to have severe Salmonella illness.Before bringing home a new pet, research the pet’s needs and see if it’s a good fit for your family. 1444