27September 2020

New York City City Truck Accident Attorney Update: Autonomous Trucks Are Here. Are They Safe? – GlobeNewswire

{New York|New York City} City Truck {Accident|Mishap} {Lawyer|Attorney|Legal Representative} Update: Autonomous Trucks Are Here....

27September 2020

COVID Updates: Concern grows over boost of cases in NYC, New Jersey – WABC-TV

COVID Updates: {Concern|Issue} grows over {increase|boost} of cases in {NYC|New York City}, New Jersey...

24September 2020

With bicycle thefts up, do you need bike insurance? – KXXV News Channel 25 825670622 173 The coronavirus pandemic pumped up bicycle sales to the point that purchasers confronted the first bicycle shortage in the U.S. considering that the 1970s. In tandem with that sales surge, bicycle theft has actually skyrocketed in a number of U.S. cities. As you may expect, the increase in bike ownership and theft has actually triggered more Americans to ponder insurance coverage for bikes. That’s a particularly legitimate concern, considering that more than 2 million bikes are taken each year in The United States and Canada, according to Project 529. Pedal along as we take a look at the various spokes of bicycle insurance. How Are Bicycles Insured? Bikes are covered under the personal property section of a basic property owners or tenants insurance policy. An insurer will compensate you, minus your deductible, if you sue when your bike is taken or when it’s damaged in a fire or other catastrophe that’s covered by your policy. In addition, property owners and tenants policies use monetary defense (under liability insurance) if you hurt somebody or damage someone else’s home when you’re riding your bike. If your bike is damaged due to the fact that you fall off or you hit a curb, pedestrian or tree, it won’t be covered by your tenants or property owners insurance unless you add it independently to your policy. This is known as “scheduling” a specific product. If you’re riding your bike and are injured in a crash with a lorry, your car insurance policy would generally cover your medical bills under either personal injury defense or medical payments coverage, presuming you have one of those. Snejina Zacharia, founder and CEO of insurance marketplace Insurify, more notes that tenants or property owners insurance usually does not cover a bike (or any of your possessions, for that matter) if it’s damaged or ruined in a landslide, earthquake or flood. What Kind of Coverage Do I Need if I Own a Pricey Bike? The Insurance coverage Info Institute recommends that if you own an expensive bike, you should ask about an add-on to tenants or property owners insurance known as an endorsement to improve your coverage. You likewise can explore a standalone bike insurance policy. Bike insurance plan usually offer broader and much deeper coverage than tenants or property owners insurance plan do. Markel’s bike insurance can cover things like crash damage, roadside assistance, replacement-bike rentals and extra parts, whereas a normal property owners or tenants insurance does not. Markel and another bike insurer, Velosurance, state their yearly premiums start at $100. Markel’s average bike insurance policy costs $250 to $300 a year. Trusted Choice, a network of independent insurance representatives, says you should check out standalone bike insurance if: You spent a great deal of cash on your bike. A daily bike may cost roughly $200 to $700, while a specialty bike may go for more than $1,000. You often ride off-road, possibly placing you and your bike at higher danger for harm. You compete at biking events. You own a bike that’s been specially created, updated or customized. You lack tenants or property owners insurance. You don’t have medical insurance to cover injuries you may suffer in a cycling crash. Should You File a Claim if Your Bike Is Stolen or Damaged? If your bike deserves $350 however your tenants or property owners policy carries a $500 deductible, Zacharia recommends versus filing a claim. “Not only will a claim increase your month-to-month premiums, however you won’t be getting anything in return. Essentially, it’s a lose-lose scenario,” she says. If your bike deserves more than the deductible, compute your possible claim check amount. If it’s little, it still most likely isn’t worth filing a claim and risking a rate boost in the future that might cost you more over time. “It’s really about the balance in between the cost of replacement and the increased cost on your month-to-month premiums. Some people may likewise state the hassle of making a claim is an extra drawback,” says Zacharia. “Bear in mind that your deductible matters,” Zacharia adds. “If your bicycle deserves $800 however your deductible is set at $1,000, you’ll be paying of pocket to replace it. It depends on you where you set a deductible level. Simply be prepared for the expense.” Registering Your Bike One method to prevent bike theft– or a minimum of have a much better chance of getting your taken bike back– is to engrave an identification number on it and sign up the number with the local authorities department. For example, New York City offers a bicycle registration program. Source:

With bicycle thefts up, do you need bike insurance?  KXXV News...

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