I went to my insurance agent and filled out the declination form two weeks ago, took all of five minutes and saves about $30 a year. They literally have stacks of the form at the clerks desk. If your unmarried it's worthwhile to do.
🚴If we wanted to save lives of bicyclists, we would ban them from city streets and require that they only ride on Interstate Highway with their 12 foot shoulders and limited access points. Based on crash data it’s much safer to ride a bicycle on the shoulder of a limited access highway than a city street. Cyclist deaths on limited access highways are exceptionally rare in the many states that permit such riding. 🚴
🔢Too often though we let emotions and perception
of safety replace statistical evidence. 🔢
I am fully aware I need a good quality U-lock for my new bicycle, Blackie, especially if I do plan to ride downtown to work from time to time, but the idea of spending $50-100 and carrying around a heavy lock just to ensure that criminals with bolt cutters don’t run off with my bike really pisses me off, because I worked hard to afford that bicycle, and I shouldn’t have to spend a bunch more money to keep criminals from stealing what is rightfully mine.