| Is there any nicer way to get around in the summer | | | | your bike is give you someplace to turn if somebody |
| (assuming you're not in the middle of a beautiful | | | | else hits you, since their liability insurance is going to |
| summer storm) than to cruise around town on two | | | | be responsible. You may also find that your personal |
| wheels rather than four? The cool wind in your hair, | | | | injury protection or medical payments portion of your |
| the sun on your face, and the chance to actually | | | | car insurance will help cover your medical expenses if |
| appreciate everything that's going on around you | | | | you're in an accident on your bike and other vehicles |
| rather than roaring past it in a blur while you try and | | | | are involved, although your regular health insurance (if |
| get where you're going make bike travel an excellent | | | | you have it) is likely going to serve just as well. |
| alternative to actually spending more time in the car. | | | | Your homeowners insurance is going to do a whole |
| But how safe are you when you're out on the | | | | lot more if something happens involving your bike, |
| highway? And is your car insurance coverage going | | | | since bicycles are considered to be personal |
| to back you up if something bad does come along? | | | | possessions and therefore eligible for coverage under |
| Since a bike cruises on wheels and definitely moves | | | | the same terms that protect your sun room, |
| faster than the average pedestrian it's easy enough | | | | personal computer and the eight tons of electronic |
| to make the mistake of thinking it ought to be | | | | equipment that your daughter took to college! If |
| covered under your car insurance policy. And you're | | | | your bicycle is stolen your insurer will replace it at its |
| not entirely wrong! Most car insurance companies | | | | current cash value, and your home's liability insurance |
| don't consider a bike (the two wheeled, | | | | may extend to cover you if you cause an accident |
| non-motorized variety, that is) to be a vehicle and | | | | while cruising around the city streets. |
| therefore won't insure them under a vehicular | | | | But that varies from company to company, so you're |
| insurance policy. The good news is, most | | | | going to want to check it out first. |
| homeowners insurance providers are a little more | | | | The bottom line is that your car insurance isn't going |
| liberal. | | | | to do much to protect you while you're out on your |
| Most people don't think about their homeowners | | | | bike. Your homeowners insurance will. Now it's just up |
| insurance when they're thinking about their bikes, | | | | to you to make the calls and find out what options |
| unless they've had to file a claim before. | | | | are available the next time you decide to take the |
| Unfortunately, about the only thing your car insurance | | | | economic and ecologic high road and leave your car |
| policy is going to do for you when you're out on | | | | safely parked at home. |