Be safe while bicycling this summer (image via The Coalition of Arizona Bicyclists)

Arizona’s natural beauty and climate make it the perfect place to ride a bike.  The blue skies, warm weather, and breathtaking vistas elevate a bike ride to a cycling experience.  But while you are out, relishing the feel of the wind on your face and the warmth of the sun on your back, make sure you are taking steps to stay safe and secure.

Be Safe

Whenever you are on your bike, safety has to be a top concern.  The dangers of cycling are inherent wherever you choose to ride, but here in Arizona you are also dealing with the dangers of the desert like dehydration and heat stroke.  Sharing the road with automobiles also increases the risk of riding your bike.  In 2009, the National Highway Traffic Safety Administration (NHTSA) indicates that 2% of all traffic fatalities involved cyclists.  Be safe whenever and wherever you ride by following these simple safety rules.

  1. Use your head and wear a helmet.  Never, ever ride without a helmet.  According to the NHTSA, 70% of fatal bicycle accidents involve brain injuries and bike helmets are 85% effective at preventing these types of injuries.
  2. Follow the rules.  When you are on the road, even if you are on a bike, you need to follow the rules of the road just as you would if you were driving a car.  This helps keep you safe by making your behavior predictable to those you are sharing the road with.  Always stay as far to the right side of the road as you can safely ride.
  3. See and be seen.  The unfortunate fact is that some automobile drivers won’t see you which means you must assume that none of them see you and make sure you do everything you can to ensure motorists and other cyclists see you.
  4. Pay attention.  Don’t let yourself become distracted.  Don’t wear headphones which block out the sounds of oncoming traffic which could alert you to a dangerous situation.  Don’t talk or text on your cell phone.  Don’t try to visit with your friend while you are riding together.  The best way to stay safe is to stay focused and remain alert to potential dangers around you.

Be Secure

Even when you are not on your bike, security should be your top concern.  Bikes range in cost from a hundred dollars to several thousand dollars and are easier to steal and resell than a car.  The good news is that most standard homeowner’s and renter’s insurance policies cover losses to bicycles.  Your policy should cover the same kinds of losses that are covered if you have comprehensive car insurance like damage caused by weather, fire, or theft.  Although this is generally the case, you should check your policy or speak to your representative to make sure this coverage is provided in your policy.

As part of this check, you also need to ask if there is a limit on the recoverable amount for bicycles under your policy.  Even though your homeowner’s or renter’s policy covers damage to bicycles, the amount of coverage may be less than the actual limits on your policy.  This is especially important for anyone with expensive bicycles.  Don’t assume your policy will automatically cover the cost of a new bike.  If there is a limit, ask your agent to explain what options are available to you to increase coverage to cover the full cost of replacement.

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