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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 FBI and Toledo, Ohio police are searching for a suspect in an armed bank robbery who was mistakenly released from jail earlier this week.According to the FBI, Don Woodson Ellis Jr. allegedly robbed a bank in Toledo on Monday and was arrested and held at the Lucas County Corrections Center. He was mistakenly released on Wednesday night around 10:30 p.m.At the time, he was wearing a black t-shirt, light blue shorts/jeans to the knee and white tennis shoes with dark laces.He was using the name Antwon Moore at the time of the departure from the jail. He is also considered armed and dangerous.The Lucas County Sheriff's Office said Ellis "used deception" to be released back into the community.According to the FBI, he could be in Michigan given his previous criminal record which includes pleading guilty to bank robbery and fleeing/eluding police in Monroe County.Ellis is described as a black male, 28 years old, 6-feet tall weighing 150 pounds.  983

The country's top infectious disease doctor is warning we are in a critical weekend for coronavirus cases."We don't want to see a repeat of the surges that we have seen following of the holiday weekends,” said Dr. Anthony Fauci, Director of the National Institute of Allergy and Infectious Diseases.There were surges after Memorial Day and Fourth of July due in part to large social and family gatherings. Labor Day has the potential to be the same.“One of the things I think vie seen people make a mistake with is they fool themselves about these pandemic pods, like its OK for me to be around this other family and we'll both be safe, and then it will be OK, we'll be like a household, but what many people don’t realize is all these pods are basically interconnected,” said Dr. Dean Blumberg, Chief of Pediactric Infectious Diseases at UC Davis Children’s Hospital. “Very few people actually do that and limit the interaction.”Another reason people get complacent with social distancing and mask wearing is because the people they are around look and act healthy. But infectious disease experts remind us two thirds of transmission of the virus are from people who have no symptoms.Blumberg says he's also seen outdoor gatherings start off with good intentions.“You start off 6 feet distanced, but when you're having a good time, people just naturally forget, and it’s really with the larger social gatherings that this is more of a risk,” said Blumberg.The other big concern with Labor Day gatherings is having virus surges headed into fall and winter. That's when infectious disease doctors say coronaviruses tend to spread the most and when flu season starts to ramp up.Also, with school back in session, there's the risk of shutting down or delaying opening in-person learning, depending on how people handle Labor Day. 1834

The CDC is changing their recommendations for travelers, urging them to pay attention to local and state recommendations, and dropping their 14-day quarantine for international or out-of-state travelers.The Centers for Disease Control and Prevention updated their travel requirements Friday, according to multiple media reports. They now advise travelers to "follow state, territorial, tribal and local recommendations or requirements after travel." Previously, the agency recommended a 14-day quarantine for those returning from international destinations or any area with a high concentration of coronavirus cases.The guidelines still urge travelers to limit their risk of infecting others by social distancing and wearing a mask. “You may feel well and not have any symptoms, but you can still spread COVID-19 to others," the CDC states on their website.There are still international travelers who are not allowed to enter the U.S. based on presidential proclamations. Foreign nationals who have spent time in these countries in the last 14 days before travel cannot enter the U.S.: China, Iran, United Kingdom, Ireland, Brazil, and most of Europe. U.S. citizens who travel to these countries can return to the U.S. through 15 airports according to the CDC. 1268

The Centers for Disease Control and Prevention say four people have died and 11 others have been hospitalized after they ingested hand sanitizer.In the report, the CDC said the 15 adults, 13 of which were men, were being treated for methanol poisoning, which occurred in New Mexico and Arizona between May and June.The CDC said three people suffered vision problems."Alcohol-based hand sanitizer products should never be ingested," CDC officials said in the report. "In patients with compatible signs and symptoms or after having swallowed hand sanitizer, prompt evaluation for methanol poisoning is required. Health departments in all states should coordinate with poison centers to identify cases of methanol poisoning."As of July 8, four people were still hospitalized, the report stated."Among the four patients who died, three had seizures at the time of admission; initial signs and symptoms were not reported for the fourth patient," the report said.According to the report, the average age was 43, with some of the incidents happening amongst Native Americans. 1076

来源：资阳报