Get your ride on: May is National Bike Month


Haul the bike out of the cellar or the garage because May is National Bike Month, sponsored by the League of American Bicyclists and celebrated in communities from coast to coast. National Bike to Work Week 2019 will take place May 13–19. Bike to Work Day is Friday, May 17.

Biking is a great way to experience the outdoors and to get good exercise. It’s also a much more economical and earth-friendly form of transpiration than cars. Whatever your reason for biking, there are a few important steps to take to make sure you are safe on the road.

Finally, don’t forget to protect your investment! Bicycle theft may be covered by your homeowners or renters insurance but there is ordinarily a rather high deductible. If your bike is particularly valuable, you may want to speak with your independent insurance agent about a floater policy to keep it covered at all times.See our prior post which includes a video bicycle insure quiz and link to more information on insuring your bike from the Insurance Information Institute.  In addition to a discussion about insurance, they suggest marking your bike, writing the serial number down and taking several photos of it to help police in identification. They also recommend registering your bike with local police and the National Bike Registry.

Year-Round Bicycle Maintenance

Spring Tune Up - Bicycle Maintenance
Source: Fix.com Blog

Quick Fixes - Bicycle Maintenance
Source: Fix.com Blog

National Prescription Drug Take Back Day: April 27


Prescription Drug Takeback Day Banner

Do you have expired or unused prescription medicines sitting around in your kitchen or bathroom cabinets? Now you have a safe and anonymous way to dispose of them: National Prescription Drug Take Back Day on April 27.

According to the US Drug Enforcement Agency (DEA), unused or expired prescription drug medications are a public safety issue, leading to potential accidental poisonings, misuse and overdose. Too often, unused prescription drugs find their way into the wrong hands. That’s dangerous and often tragic. Studies show that a majority of abused prescription drugs were obtained from family and friends, often from the home medicine cabinet. That’s why it was great to see thousands of folks from across the country clean out their medicine cabinets and turn in – safely and anonymously – a record amount of prescription drugs. During the last Take Back Day in October 2018, more than 457 tons of medications were turned in at more than 5000 collection sites nationwide for proper disposal.

Proper disposal of unused drugs saves lives and saves the environment!

Use the Collection Site Locator – enter your zip code to find a site near you.

If you or someone you love needs help for a prescription drug problem, find treatment using the treatment services locator.

The DEA offers tips for disposal if no disposal instructions are given on the prescription drug label and no prescription drug take-back program is available in your area:

  • You must not share your prescription drugs – they were prescribed to you.
  • Remove the medicine from its original container and mix it with an undesirable substance, such as used coffee grounds or kitty litter.
  • Place the mixture in a sealable bag, empty bag, or other container to prevent medicine from leaking or breaking out of a garbage bag.
  • Scratch out all identifying information on the prescription label to make it unreadable to protect your identity and the privacy of your personal health information.
  • Do not flush medicines down the sink or toilet unless the prescription drug labeling specifically instructs you to do so, and check with your community’s laws and regulations prior to taking such action.

See more in this PDF tip sheet: How to properly dispose of your unused medicines

Car thieves are just driving away with our cars for the darndest reason!


We’ve all misplaced our car keys at one point or another, but are people getting more forgetful?

That would appear to be the case if we review the recent report that the National Insurance Crime Bureau (NICB) issued on car thefts. Thieves are driving away with our cars because we are making it too easy for them by leaving our keys and fobs right in the vehicles!

While car thefts in general are on a downward trend, the numbers of cars stolen due to keys in the car are on the rise. And it’s not just a slight uptick – there’s been a 56% increase since 2015 and an 88% increase since 2013!  Every single day last year, an average of more than 200 cars were stolen due to keys in the car. You can learn more in the NICB press release on thefts of vehicles with keys, along with the short video and infographic, below.

NICB keys-in-cars theft report infographic

Sometimes the keys or fobs left in the car are not due to forgetfulness – thefts spike in the winter when there are more cars being warmed up in cold weather. Beyond that, NICB doesn’t speculate as to why. It may be because they are quieter. We previously talked about how quieter, keyless cars are related to an increase in carbon monoxide deaths. Beyond that, it’s anyone’s guess: Too much trust in anti-theft and theft-recovery systems? An aging population of drivers? Distracted by our phones as we are powering off our cars? Hard to know.

To prevent this happening, NICB advises drivers to:

  • Lock the vehicle, set the alarm and take all keys or FOBS.
  • Do not leave the garage door opener in the vehicle.
  • Take a picture of your registration on your cell phone and do not leave the registration or other papers with personal information in the vehicle.
  • Never leave a car unlocked and running to warm it up or while stopping for a quick cup of coffee. It only takes a moment for the opportunistic thief to jump inside and drive off.

Thinking of a side hustle? Check with your insurance agent


man working at home to illustrate a side hustle

Today, it seems like everybody’s got a side hustle, which is essentially just a fancy rebranding of what used to be called moonlighting. But today’s moonlighting often comes with a twist …. these gigs often involve using your personal car or home to generate extra income. Whether it’s driving for Lyft, dropping off packages for Amazon, delivering meals through DoorDash, renting your home through Airbnb or just taking advantage of a tourist influx during a big local event by renting out your home, five words of advice: check with your insurance agent.

If your goal is earning some extra cash, make sure you understand and are covered for potential risks. You might think you are covered by working for a third-party service, but if you injure yourself or someone else while working, if you damage or lose someone’s property or if you suffer a loss to your own property, you may be on your own. Here are just two examples:

Home rental – If you want to start renting out all or a portion of your home through a peer-to-peer rental service, what happens if a guest is injured on your property? Or if a guest burns the whole place down in a cooking fire, will your rental service cover your home replacement?

Some services, such as Airbnb and VRBO, offer programs such as host guarantees or host liability insurance. On first glance, these may look adequate – $1 million liability coverage should be enough, right? But like most things, you need to read the fine print because there are conditions, limitations and exclusions that could leave you exposed to serious loss. You also should not assume that your own homeowners policy will provide coverage in a home rental scenario. Insurance Information Institute says:

Standard homeowners and renters insurance policies are designed for personal risks, not commercial risks. Some insurers now offer a home-sharing liability insurance policy that can be purchased on a month-to-month basis, but there may be exclusions and limitations, so read the policy carefully. If you plan to rent out all or part of your home on a regular basis, many companies will consider this a business use and you may need to purchase a business policy—specifically either a hotel or a bed-and-breakfast policy.

Ridesharing – Check with the service you are contracting with about any coverage that they might offer – states are increasingly mandating that third-party services provide some coverage, but again – there could be conditions, limitations and exclusions that leave dangerous gaps in your coverage. And it’s a mistake to assume that your own personal auto insurance will cover you. Insurance Information Institute says:

Generally a standard personal auto policy will not provide coverage for ride-sharing. A standard personal auto insurance policy stops providing coverage from the moment a driver logs into a TNC ride-sharing app to the moment the customer has exited the car and the transaction is closed.

They also advise:

Prospective drivers should ask the TNC what level of coverage it provides. Drivers should also contact their own auto insurer to address gaps, if any, in their liability protection. It is also recommended that TNC drivers review a copy of their TNC’s insurance contracts so they know the exact terms and conditions of the coverage.

Learn more: Ride-sharing and insurance: Q&A

These are just two common examples of so-called side-hustles, but other income-generating activities might call for other types of coverage, such as product liability or home business coverage. Your agent can also help you assess the adequacy of coverage offered by a third-party.  If you are considering a side-hustle, give your independent insurance agent a call to talk things over.

Your annual reminder: Any dog can bite


group of good dogs to illustrate dog bite prevention

This week is Dog Bite Prevention Week and the US Postal Service would like to remind you that although there are about 78 million good doggies here in the U.S., “any dog can bite.” They should know. Their carriers suffer about 6,000 dog attacks a year. According to the Centers for Disease Control and Prevention, about 4.5 million people are victims of dog attacks each year. The most susceptible to dog attacks are small children, the elderly and postal carriers, in that order.

The American Veterinary Medical Association (AVMA) says that most, if not all, the dog bites that occur are preventable. They tally some recent numbers: In 2017 there were nearly 350,000 people treated at hospital emergency rooms for non-fatal dog-related injuries. Of those people, there were nearly 10,600 children two years old or younger who visited emergency rooms as a result of dog bites​.

Liability Insurance and Dog Bites

Besides the human and canine trauma that can result, dog bites are also a costly problem. In 2018, dog bites and other dog-related injuries tallied $675 million in liability claims, according to the Insurance Information Institute (I.I.I.) and studies by State Farm. In terms of states, California is #1, with 2166 claims at an average claim cost of $45,542. Florida is #2, with 1281 claims at an average claim cost of $43,893. Texas, Illinois and New York round out the top five states in terms of claims counts and expenses. You can check to see where your state falls on this III interactive state-by-state dog bite liability map.

Your homeowners insurance policy will typically cover and claims related to dog bites, up to the liability limits. If you have a dog, you should talk to your agent about liability limits and also the type of dog you have. I talking about dog bite liability, III says that

“Some insurance companies will not insure homeowners who own certain breeds of dogs categorized as dangerous, such as pit bulls. Others decide on a case-by-case basis, depending on whether an individual dog, regardless of its breed has been deemed vicious. Some insurers do not ask the breed of a dog owned when writing or renewing homeowners insurance and do not track the breed of dogs involved in dog bite incidents. However, once a dog has bitten someone, it poses an increased risk. In that instance, the insurance company may charge a higher premium, nonrenew the homeowner’s insurance policy or exclude the dog from coverage.”

See our prior post on dog breeds that are sometimes blacklisted by insurance companies.

Helpful dog bite prevention resources

Dogs attacks occur for a number of reasons. The dog may be protecting territory. They may feel threatened by strangers or startled. They may be annoyed if they are eating. American Humane offers these tips for dog owners:

  • Never leave a baby or small child alone with a dog, even if it is a family pet.
  • Interactions between children and dogs should always be monitored to ensure the safety of both your child and your dog.
  • Teach your children to treat the dog with respect and not to engage in rough or aggressive play.
  • Make sure your pet is socialized as a young puppy so it feels at ease around people and other animals.
  • Never put your dog in a position where s/he feels threatened.
  • Walk and exercise your dog regularly to keep him/her healthy and to provide mental stimulation.
  • Use a leash in public to ensure you can control your dog.
  • Regular veterinary care is essential to maintain your dog’s health; a sick or injured dog is more likely to bite.
  • Be alert, if someone approaches you and your dog – caution them to wait before petting the dog, give your pet time to be comfortable with a stranger.

Find more dog bite prevention tips: