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    Personal Insurance Blog

    Bicycle Theft Prevention

    Posted by Gordon Atlantic Insurance

    Thu, Feb 23, 2017 @ 12:06 PM

    Now that the weather (in MA anyway) is growing more amenable to outdoor activities, you may find yourself on a bike. Unfortunately, bicycles are favorites for thieves, especially on college campuses. An unlocked, unguarded bike is one of the easiest things to steal; don’t forget, thieves are enjoying the warmer weather too.

    The National Bike Registry is a pretty cool service; by registering with them, if your bike is stolen, police have a way to identify it as yours if found. Otherwise, it will end up in police auction. As the name suggests, this is a national database that covers all 50 states. It’s definitely worth the time to register with them, especially if you have a nice bike.

    Keep your bike safe with a lock and personal from Andrew Gordon Inc Insurance Norwell MAAccording to the III:

    • Bicycles are generally covered under homeowners or renters insurance. However, there is usually a $250 – $500 deductible. Your homeowners or renters policy also provides liability coverage in the event of a collision that results in injury to another person. There are no deductibles for liability claims.
    •  
      Once you purchase a bicycle, keep the receipt for it and any accessories you add. Also, take photographs of the bike. Store these documents off-premises and alert your insurance professional to your new purchase. If you own an expensive bike, consider purchasing a floater. This will provide more coverage than a homeowners or renters policy. For instance, in the event of an accident, a floater covers the cost of bike repairs. A floater costs approximately $9 for every $100 of the bike’s value and there are no deductibles.

    The best way to prevent bicycle theft is simply to lock your bike up. Cable locks are generally able to be cut, so invest in a sturdy U-Lock. In addition, make sure your bicycle is locked up correctly:

    Learn more about personal insurance here.

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    Corbin Foucart

    Tags: theft, auto, lock, cycling, insurance, Business, prevention, car, bike, bicycle

    Bike Noise Limits

    Posted by Sue Bird

    Mon, Jul 07, 2014 @ 10:05 AM

    Stay safe and respectful of others on your motorcycle or vehicle with auto from andrew gordon inc insurance norwell maSummer is here and the Streets are Loud….

    It’s that time of year when people are cruising on their bikes or in their cars and enjoying the warm weather, especially after a horrible winter. Please be considerate of those within earshot though and keep the noise down so that everyone can enjoy. Loud stereos or exhausts can be annoying to say the least (or maybe I’m just getting old).

    There are guidelines for acceptable noise levels on vehicles and bikes. For instance, for bikes manufactured before 1986, 102 decibels is the legal limit, and 99 decibels for bikes manufactured after 1986.  If you have a stock exhaust that is working properly, you should not have any issues.

    Enjoy your summer! Learn about motorcycle insurance here

     

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    Tags: summer, limit, motorcycle, bike, bicycle, loud, noise

    AAA Offers Bicyclists Breakdown Service

    Posted by Gordon Atlantic Staff

    Mon, May 05, 2014 @ 03:21 PM

    AAA now covers your bike needs andrew g gordon inc insurance

    It's a sign of the times when AAA expands their breakdown service to bicycles.  Yes, that's right. If you have joined the growing number of commuting bicyclists or are a weekend cycle warrior or both, this is very good news. AAA Southern New England is offering the bicycling roadside service at no additional cost to all levels of membership. There is no special enrollment. If you are a member you automatically receive the benefit.

    The service will operate much like the AAA roadside assistance program for vehicles. You can call the same AAA number on your card (800-AAA-HELP). While vehicles cannot meet cyclists on bike paths, bike trails or other off road locations, service trucks will meet members on any normally traveled road within AAA Southern New England territory. Transportation for you or your bike will be provided to your home, vehicle or another location free of charge within a limited range. Regular road service guidelines apply to all bicycle calls. Members can call for service any time of day, 365 days a year.

    I am one AAA member that is happy to see this expanded service. Last summer during a bicycle commute home, I experienced a nail in my tire and 7 mile walk home. Good fortune was on my side as the local fire department assisted me. If I had been on one of the many quiet side roads in my normal travels, it may have been a long walk home lugging a very heavy bike. You can understand why I am excited about this new AAA benefit. No doubt this new service will provide many in the bicycling community peace of mind. 

    INSURANCE QUESTION?

    Tags: bicycle safety, AAA, bicycles, roadside assistance, breakdown service, bike

    Bike Safety

    Posted by Nate Gordon

    Sat, Nov 10, 2012 @ 11:16 AM

    It’s important to remain safe when you are out on the streets, regardless of how you travel.  Cycling is a great way to let off steam and get around more cleanly than driving a car.  Unfortunately, having to share the road is a simple reality that drivers, pedestrians, and especially cyclists have to get used to. These are some of the key elements you have to keep in mind when you are out on a bike if you want make it home safe.

    Bike safely with a helmet tips and personal from andrew gordon inc insurance norwell ma

    1. Wear a Helmet

    This one seems obvious, but there are plenty of people who forgo the helmet every time they go out. It’s the sort of thing people like to write off as being for small children, and while they have an especially high incident rate, I really can’t stress enough just how important it is for people of all ages out on the road to wear a helmet. There are constant opportunities for a crash, and the difference between an unpleasant jostling and a trip to the hospital can be as simple as remembering to strap on your helmet.

    2. Hand turn signals

    Easily the biggest threat to road cyclists is the cars you have to share the road with. Turning signals are the same that you would use in a car when your tail lights aren’t working: signal with your left hand as you continue to steer with your right. Before making a left turn, extend your left arm out straight. When you make a right turn, hold your left arm up, elbow at a right angle.  When you are about to stop, hold your left arm pointed down to the ground.

    3. Stay Visible!

    This is one that, again, can come off as pretty obvious, but there are so many ways that people forget to make themselves visible to people in cars. Make sure that whatever you’re wearing has relatively bright colors on it at the very least, even if you are out in the middle of the day.

    Further, you should do your best to avoid going out after dark. Motorists have a hard enough time seeing other cars at night, and they have big lights on them to warn each other. When you really can’t avoid biking late, you have to dress accordingly. At this point, wearing bright colors just isn’t enough; you have to make sure to wear a reflective strip, or get a blinker installed on your bike. But again, the safest option is just to restrict your biking activity to daylight.

    4. Stay in the Bike Lane (or, Failing that, remember to stay in Traffic)

    Lower personal risk on your bicycle and stay safe with andrew gordon inc insurance norwell ma

    When you live in a town or city that has a bike lane, it is the cyclist’s responsibility to honor that designation and ride exclusively in that lane. This keeps you safe from cars that have no reason to be passing through that lane, and also frees up traffic so that the motorists don’t have to worry about you going in their lane. 

    However, it is important to note that most rural towns do not have such a lane designated just for bicycles.  If you are in such a town, it is a common mistake to treat the road shoulder as a sort of bike lane.  This is actually significantly less safe than riding right on the road.  The shoulder does not give as much space as a bike needs, so you can still get side swiped by a car whose driver didn’t see you. Biking more in the standard road makes one more visible to motorists coming up behind you and allows you to avoid the potholes and crumbling asphalt you can find on a shoulder.

    So, always stay visible, ride where you’re safest, and always, always wear a helmet.  Despite the scary picture this might paint for road biking, it really is one of the best ways to stay in shape and enjoy the fresh air. 

    For more of our personal blogs, where we discuss everything from safety issues to recipes, click here. Don't hesitate to contact us with an insurance question. Learn about personal insurance here. 

      INSURANCE QUESTION?

    Nate Gordon

    Tags: risk, management, safety, biking, visibility, tips, traffic, helmet, bike, bicycle, signals, turn

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