(Photo Credit: Google Maps)
Cycling is a great workout and can make for a healthy and cheap alternative to driving a car or using public transport to get around. Riding a bike is good for traffic, good for health, and good for the environment, but it does not come without its own set of risks. There are many things that both motorists and cyclists can do to make sure everyone shares the road safely and courteously.
- Watch for bikes when opening doors. Passengers and drivers blindly opening doors into bike lane can cut off a cyclist, causing a crash between the cyclist and the door, or force them to dangerously steer into motor vehicle traffic. In most states, opening doors into traffic establishes fault if doing so results in an accident.
- Share the road. Give bikes space, especially on crowded streets. Only pass when there is enough room to do so safely and never tailgate a person on a bike.
- Check for cyclists when turning or pulling over to the side of the road. Motorists may not always think to check the right side of the car when turning or pulling over to the right, but a bike may be approaching. Treat bike lanes like another lane of traffic.
- Do not park in bike lanes. Aside from being a fineable offense, this forces cyclists into motor vehicle traffic.
- Always use your headlights – even during the day. Using your headlights at all times helps other road users see your vehicle better, especially in inclement weather.
- Get off the phone. This should go without saying and applies whether cyclists are present or not, and sharing the road with cyclists requires extra attention. Distracted driving is a major cause of accidents.
- Always wear a helmet – while this may only be a legal requirement for those under 16, this should be rule number one for all riders. The leading part of the body to fly forward off of a bike in a crash is usually the head and bike helmets can reduce the risk of head injury by 60%.
- Know the rules of the road. Cyclists must follow the same rules as motorists and can be cited for things such as running red lights, not yielding for pedestrians in crosswalks, and heading the wrong way down a street.
- Always use your headlights and taillights at night and make sure they are the correct color (white for front, red for back), and clearly visible from a distance of at least 600 feet. Reflectors must be present on both the front and back sides of the pedals or on the ankles of the rider.
- Wear highly visible clothing, especially at night.
- Never ride on limited access highways such as interstates. These roads are marked with signage at onramps prohibiting bicycles.
- Cyclists must yield to pedestrians, especially when riding on sidewalks (not all towns and neighborhoods allow bike riding on public sidewalks). When passing a pedestrian, cyclists should use an audible warning such as a bell or verbally calling out to the pedestrian.
- Use hand signals to indicate the intention to stop, turn, or change lanes.
(Photo Credit: Flickr)
During the spring and summer months, the Northeast sees a dramatic increase in wildlife activity as animals come out of hibernation. Mating season for most small mammals and birds occurs around this time and as a result, there is a higher possibility of homeowner property being damaged. Mothers looking for safe nesting space for their babies will look to sheltered and secure areas. Unfortunately, this can mean the walls of attics or underneath porches. This activity can also cause both interior and exterior damage to your house – damage that is usually not covered under Section I of the Homeowners’ policy. Loss caused by animals such as birds, vermin, rodents, or insects that attempt to access shelter by utilizing pre-existing structures is not covered under most standard policies. Damage caused to your dwelling by large mammals such as bears is covered under your policy, but otherwise, it is good to take steps in order to limit the ability of animals to enter and possibly damage your home.
Here are some steps that homeowners can take to “animal proof” their home:
- Make sure that screens, windows, and sliding doors are free of holes or tears
- Seal possible exterior entry points in places such as roof openings and vents or holes near the base of the house
- Adding screens over vents and placing chimney caps over chimneys will help prevent entry while maintaining smooth air flow
- Remove any hanging tree limbs and other vegetation that is very close to the house
- Add sturdy screening to the bottoms of porches and decks
Taking these measures could greatly reduce the risk of possible damage caused by animal activity over the next few months and into the fall, saving you time, money, and a lot of frustration in the long run.
(Photo Credit: Fotolia)
Once all of the snow melts and the temperatures begin to rise, it’s always a good idea to conduct a bit of spring cleaning. And while you and your family are dusting around the house and donating old clothes, it is also a good idea to review your current insurance policies and make sure their coverages are still adequate. If you have recently made improvements to your home, bought an expensive piece of jewelry, or plan on going somewhere for vacation this summer, now is a good time to talk to your agent to ensure you’re fully covered. The Insurance Information Institute has a quick spring cleaning insurance coverage checklist to help you decide if your policies need a bit of spring cleaning this year. You can view the list here.