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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 Chicago Police Department is under fire after a video surfaced showing department officers helping the Norfolk Southern Police in an operation that used "bait trucks," container trucks filled with goods left to attract potential thieves.The Facebook video, shot last week by community activist Charles McKenzie, shows a white unmarked truck parked in the largely black Englewood neighborhood."The police parked a truck with boxes of Nike shoes in front of kids ... and when people hop in the truck the police hopping out on them," McKenzie wrote on Facebook.The truck was part of a surveillance operation, nicknamed "Operation Trailer Trap" by police, used to target individuals who had been breaking into freight containers at Norfolk Southern rail yards, Norfolk Southern told CNN. The rail company has its own police force.A man was arrested on August 2 as part of the sting and charged with burglary. The Cook County State's Attorney's Office said the charges against the suspect were dropped on Thursday. The office did not provide additional details about why the suspect was no longer being charged. According to the Chicago Tribune, the suspect is deaf and communicates through sign language, and told police he had entered the trailer to take food.Norfolk Southern dismissed claims that youths were targeted in the operation, adding the suspect apprehended "cut open the safety seal with box cutters, broke into the back of the trailer and only then did they find retail shoes in unmarked brown boxes, previously secured and hidden inside.""Norfolk Southern has the responsibility to ensure the freight we are transporting is safely delivered and does not pose a risk to the communities in which we operate," Norfolk added in a statement. "This week's police operation was intended to directly combat such unacceptable thefts."Chicago Police Superintendent Eddie T. Johnson acknowledged in a news conference on Thursday the department assists local law enforcement agencies with this type of operation."At the end of the day, just because it's out there and it's not yours, that doesn't mean you're supposed to take it," Johnson said. "But as Chicago Police Department, we're going to take a hard look and see if there's something we can do better."At least one local official and the ACLU of Illinois criticized Chicago police for being involved in the operation, arguing the practice created unfair situations of entrapment.Karen Sheley, director of the Police Practices Project at ACLU of Illinois, said in a statement "these stunts won't help" better relationships between police and communities of color in Chicago."Police should focus on reform and improve outreach to communities that have been too often the target of police abuse," Sheley said.In a statement, longtime community activist Lori Lightfoot, who is also a current candidate for mayor, said the use of the "bait trucks" is "an appalling display of misplaced priorities," and made a reference to a string of shootings that left 12 people dead over the weekend."Video footage shows officers antagonizing Chicagoans they are sworn to serve and protect, and creating conflict when their responsibility is to promote public safety," Lightfoot added.Roderick T. Sawyer, alderman for Chicago's 6th Ward, said the operation "serves only to undermine already fragile efforts to build trust between law enforcement and the community."Sawyer called for the city council to hold a hearing on the matter. 3502

The CDC is now recommending “universal mask use” both indoors and outdoors whenever someone is not at their own home. This is the first time the agency has included indoor spaces in their recommendations for universal mask wearing.It comes as coronavirus cases in the U.S. continue to surge past 14 million positive cases and deaths climb above 277,000, with many states only beginning to see a potential second spike from Thanksgiving celebrations.In the CDC’s weekly report, they said with more time spent indoors with the colder weather, the ongoing holiday season and silent spread of the disease with about 50 percent of transmission happening from asymptomatic people, “the United States has entered a phase of high-level transmission where a multipronged approach to implementing all evidence-based public health strategies at both the individual and community levels is essential.”These include universal mask use, physical distancing, avoiding nonessential indoor spaces, increased testing, prompt quarantine, enhanced ventilation, and widespread vaccination coverage. The agency stresses “no single strategy can control the pandemic,” and all of these recommendations will be needed to break transmission chains.The CDC warns that indoor spaces and crowded outdoor spaces, especially where distancing is not maintained or consistent use of face masks is not possible, i.e. like when eating or drinking, “have been identified as particularly high-risk scenarios.”“Compelling evidence now supports the benefits of cloth face masks for both source control (to protect others) and, to a lesser extent, protection of the wearer,” the CDC guidelines now read. “Face mask use is most important in indoor spaces and outdoors when physical distance of ≥6 feet cannot be maintained. Within households, face masks should be used when a member of the household is infected or has had recent potential COVID-19 exposure.”Any indoor spaces should also have good ventilation, the CDC says. "For indoor settings, increased room air ventilation can decrease the concentration of small droplets and particles carrying infectious virus suspended in the air and, thereby, presumably decrease the risk for transmission."The World Health Organization recently updated their guidelines that everyone 12 and older should wear a mask outside, inside and even inside people’s own homes if they are poorly ventilated. They recommended that children ages 6-to-11 should wear a mask based on a “risk-based approach.”Earlier this week, the CDC said they recommend against traveling this holiday season to slow the spread of the coronavirus. They made a similar plea before Thanksgiving, however the TSA reported record-high airport screenings since the pandemic started. 2758

The day after a gunman who spewed anti-Semitic rhetoric allegedly?killed 11 congregants in a Pittsburgh synagogue, thousands mourned the dead, said their names out loud and proclaimed that hate wasn't welcome in their city.The crowd at the Jewish Family and Community Services of Pittsburgh's interfaith gathering and vigil spilled out of the Soldiers & Sailors Memorial Hall & Museum. Many stood in the drizzle outside during the ceremony.Less than two miles away, agents filed in and out of the site of the massacre: Tree of Life Synagogue, which houses three congregations. Authorities said Robert Bowers stormed the building early Saturday and killed the congregants gathered for Shabbat services in what the Anti-Defamation League has called the deadliest attack on the Jewish community in US history.At Sunday's service, the rabbis of the three congregations embraced after tearful tributes. Christian and Muslim leaders pledged to stand with members of the Jewish community. 1007

The Columbus Dispatch reported it obtained a copy of a police incident report where Courtney Smith, the ex-wife of now fired Ohio State football assistant coach Zach Smith, claimed that Ohio State lawyers told her not to press charges.The police report was obtained from an anonymous source and not directly from the Powell, Ohio Police Department. The Dispatch said that Powell Police Chief Gary Vest did not dispute the authenticity of the report. The report, which was dated Oct. 26, 2015, Officer Ben Boruchowitz of the Powell Police wrote, "The victim states that last year, the suspect choked her until she could not breathe. The victim states that the suspect tells her all the time that he will kill her.”In the report, according to the Dispatch, Courtney Smith told Boruchowitz that OSU lawyers were "convincing her to drop the charge because it would embarrass OSU if she proceeded with the prosecution.”After the Dispatch's report came out, Courtney Smith told ESPN that she had not seen a copy of the incident report, but that the claim that OSU lawyers told her to drop the charges was not accurate. OSU officials told the Dispatch it was unaware of the allegation and would investigate. Ohio State head football coach Urban Meyer, who was aware of the 2015 incident, did not fire Zach Smith until last month when he was made aware that Courtney Smith had filed a protection order against Zach Smith. Meyer claimed that because charges were not filed against Zach Smith, he was not obligated to notify Ohio State.After a three-week investigation, Meyer was suspended for three games for mishandling Zach Smith's employment with Ohio State. Meyer's boss, Athletic Director Gene Smith, was also suspended for two weeks by the university. To read the Dispatch's full report, click here.  1865