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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 current spike in COVID-19 cases is stressing the testing system across the country.As the virus spreads at unprecedented rates, more Americans are seeking COVID-19 tests. But in recent days, companies that make the tests and the supplies needed for them are struggling to keep up with demand."Those companies were operating on an allocation basis, and that just means that basically everything they make is going out the door," said Kelly Wroblewski, the Director of Infectious Disease Programs at the Association of Public Health Laboratories. "There is no reserve, so there's an increased demand in a lab for testing. There's no more reagent to be had, so to meet that demand, that lab has to use a different manufacturer's test."Wroblewski adds that along with issues in getting supplies, officials are also short on human resources — there is only so much lab capacity and only so many trained people to conduct the tests.The American Clinical Laboratory Association says the surge in demand for testing means some labs could reach or exceed their current testing capacities soon — meaning it could take longer for patients to get PCR test results back.Wroblewski says that it can take currently take anywhere from 24 hours to a week to get PCR test results back.With antigen tests, patients can get results back in less than 30 minutes. There is currently enough of a supply for antigen tests, but not all facilities offer them.Both lab groups stress that COVID-19 testing is important, but patients should be strategic."There's been a lot of emphasis put on testing, but testing is only one piece of the puzzle," Wroblewski said. "It gives you some information, and if you're not going to do anything with that information — whether it be targeted closures. whether it be staying home and isolating — we're not going to stop the spread of disease."As far as getting more tests, it's going to take a while. Wroblewski says it could take up to six months or more to increase production capacity significantly. Labs don't expect to see a ramp-up in supplies until early 2021. 2090

The FDA has given the final go-ahead to Pfizer-BioNTech's coronavirus vaccine.Shots will begin in a few days after the decision, but initial doses will be scare and rationed to health workers and nursing home residents and staff first. Enough vaccinations for the general population isn't expected until spring, prompting experts to urge the public to continue using face coverings and physically distance through the winter.Authorization had been expected Saturday morning, after an advisory panel recommended approval of the vaccine Thursday evening. According to reports, the agency was working to move it up to Friday evening.Friday morning, President Donald Trump lashed out at the Food and Drug Administration and its commissioner, Dr. Stephen Hahn, for not moving faster. Trump tweeted the FDA “is still a big, old, slow turtle. Get the dam vaccines out NOW, Dr. Hahn @SteveFDA. Stop playing games and start saving lives!!!” 939

The Detroit Lions will play Tampa Bay without interim coach Darrell Bevell, making him the NFL’s first head coach to miss a game because of COVID-19 protocols.Detroit’s coaching staff will also be without defensive coordinator Cory Undlin, defensive line coach Bo Davis, defensive backs coach Steve Gregory, and linebackers coach Ty McKenzie in Week 16.Wide receivers coach Robert Prince will be the team’s third head coach this season on Saturday at Ford Field against the Buccaneers.Bevell was 1-2 after Matt Patricia was fired last month. Quarterbacks coach Sean Ryan will call plays in place of Bevell, who also serves as the team’s offensive coordinator, against the Bucs. Evan Rothstein, who helps the team with research and analysis, will lead the defensive staff.Bevell said Wednesday he had not tested positive for COVID-19, but he was one of the coaches affected by contact tracing. The Lions closed their training facility on Tuesday because one player and one coach tested positive for the coronavirus, and resumed on-field preparations on Wednesday to face Tampa Bay. 1088

The Democratic National Committee is suing the Trump campaign, Russia, WikiLeaks founder Julian Assange and several associates of President Donald Trump alleging a grand racketeering, hacking and fraudulent conspiracy that harmed Democrats through WikiLeaks' publication of internal party emails during the 2016 presidential campaign.Those named in the lawsuit include several top Trump advisers who attended the now-infamous June 2016 meeting in Trump Tower, longtime Trump confidant Roger Stone, former Trump campaign chairman Paul Manafort and former campaign adviser George Papadopoulos and others.The 66-page lawsuit filed in Manhattan federal court on Friday lays out how the Trumps curried favor in Russia through their family business, and then Russia allegedly worked with Trump advisers before the presidential election to disseminate the spoils from a cyberattack of the DNC.The Democratic Party says the conspiracy and the hacking hurt their relationship with voters, chilled donations, disrupted their political convention and subjected their staffers to harassment. The lawsuit outlines nearly every known communication between Trump advisers and Russians.The Washington Post first reported the lawsuit.Special counsel Robert Mueller was appointed by Deputy Attorney General Rod Rosenstein last year to investigate Russian efforts to interfere in the 2016 election. As part of that mandate, Mueller is empowered to investigate any links between the Russian government and Trump campaign associates.The US intelligence community has concluded that Russian President Vladimir Putin ordered "an influence campaign" in 2016 with the goal of undermining public confidence in the US democratic process and eroding Hillary Clinton's chances of winning the presidency.Trump, however, has repeatedly insisted that there was no collusion between his campaign and the Russians, and has denounced the special counsel investigation as a "witch hunt."In the summer of 2016, the Democratic National Committee went public with claims that Russians hackers had gained access to their computer systems, obtaining emails and opposition research against Trump.Then, just days before the Democratic National Convention when Clinton was set to receive the party's presidential nomination, WikiLeaks published tens of thousands of hacked DNC emails.The release of the emails, which included messages disparaging Bernie Sanders, threw the Democratic Party into turmoil at a moment when the party was supposed to be coming together in support of a nominee, and intensified in-fighting between supporters of Clinton and Sanders.  2630