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Making sense of the insurance coverage issues for cyclists

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Megan Hottman of www.TheCyclist-Lawyer.com

Thanks to Megan Hottman, "The Cyclist Lawyer" for providing this article! Hottman Law Office is a litigation and personal injury firm specializing in cyclists and athlete representation.

What cyclists need to know about homeowners, renters, auto and health insurance as it pertains to bicycles, cycling injuries, theft, and damage.
I had a "The Cyclist-Lawyer" booth set up at Veloswap last weekend, and the #1 topic people stopped by to discuss was insurance. Questions like “What happens if I don’t have auto or health insurance and I cause an accident or hit a pedestrian?” or “My bikes are really expensive, what’s the best way to insure them against theft or loss?” came up repeatedly. Two days after Veloswap, Kris at 303cycling sent me a link about “bicycle insurance,” asking my thoughts on it. So it seems, the topic is on your minds . . .

Below are some of the most common coverage issues we face as cyclists. Note: this discussion does not have anything to do with injuries or property damage resulting from a competitive event. This is a discussion about the cyclist out riding on public roads, for recreation or commuting purposes. I discussed these issues with my own insurance agent with regard to my own policies and you’ll see quotes from him below. Of course to be sure about your coverage, you’ll need to request a copy of your policy from your agent and read it carefully, as every insurance company is different in their claims-handling practices…

1. “What if I’m riding my bike and I hit a car, another cyclist, or a pedestrian. When I’m at fault, who covers their injuries and property damage, and who covers mine?”

CU Mountain Biking team rocks Nationals

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By Eszter Horanyi


Sam Morris during the XC course

After a long season of racing in the Rocky Mountain Conference, the University of Colorado Nationals Team traveled south to Angel Fire, NM for the 2011 Collegiate Mountain Bike National Championships. The team had some of the strongest riders and most depth that it’s had in years and was gunning for both individual national titles as well as trying to dethrone Fort Lewis College in the overall team omnium competition. Racers were greeted with a winter snowstorm on Wednesday night that dumped nearly 8-inches of snow on the mountain. This immediately turned buff trails and a rocky downhill track into a giant slip-n-slide. With sun forecasted for the weekend, racers were ready for all conditions, from snow to ice to mud.

The women’s team was the first to line up for the XC on Friday morning. The 5.5-mile course was still frozen for the first lap as Katie Sodergren, Claire Bensard, and Diedre York all stayed within striking distance of the leader, Lauren Catlin of Fort Lewis. Disaster struck Sodergren on the second lap when a crash on the slippery course led to a lost contact from the eye and lost contact from the lead group. York and Bensard continued to chase and ended up on the podium in 4th and 5th. Racing in her senior year, this was Bensard’s first Nationals podium, and as author of this article, I’d like to point out that four years ago, I totally pointed to Claire as doing big things in cycling in the future. Ashlee Wilson, newly upgraded to A’s placed 10th. She will also do great things in the future. I’ve got my money on it.

Boulder Racing: New Look, New Owners, Same Great Events!

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In March of 2011 the Colorado cycling community couldn’t help but miss the new website and branding Boulder Racing rolled out. With the new logos and sponsors came the same great events the Colorado community has grown to love over the years. What most people don’t know is that after 12 seasons Boulder Racing underwent a major behind the scenes transition in the way of new owners. So who are the new faces of Boulder Racing and what are their plans for the near and long term future?

For those new to competitive bike racing Boulder Racing was founded in 1999 by Brian Hludzinski and over the next decade built the company into Colorado's leader in cycling event production. Over the years Boulder Racing become known for organized operations, professionally designed courses, stellar venues, and fun atmospheres for the whole family. At the end of 2010 Brian met the Panigutti brothers of Without Limits Productions. Without Limits, with its roots in triathlon production, dabbled in the cyclocross scene back in 2009 when it rolled out CYCLO X Boulder. Most missed the frigid event, but those who braved the 12 fresh inches of powder experienced one of the first chip timed cyclocross races, complete with lap times. The weather didn’t weaken their resolve and passion for cyclocross production, which quickly caught the attention of Brian a few months later. The younger brother Lance commented after, “sure we lost money, but we got to play in the dirt with a bobcat for a week! Our goal was to show the possibilities of chip timing, which we achieved. Combine that with any chance you get to play with excavators and it’s a win in our book!”

Boulder Makes Progress Toward Opening Chapman Drive to Mountain Bikes

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From the Daily Camera:

County commissioners' approval, bridge deal are final hurdles

By Laura Snider Camera Staff Writer

The city of Boulder is close to wrapping up a land deal that would allow mountain bikers to connect from Boulder Canyon to Flagstaff Mountain via Chapman Drive.

The Chapman Drive connector was one of two mountain bike trail proposals approved last spring by the City Council as part of the management plan for the West Trail Study Area, a chunk of open space west of Broadway.

The second proposed trail would connect Walker Ranch to Eldorado Springs. To make either trail a reality, however, the city needs the cooperation of other landowners and government agencies.

Next week, the Boulder County commissioners will decide whether to approve a deal between the city and the Bonnie L. Schnell Revocable Trust that would make three lots out of two existing parcels. The largest parcel, about 119 acres, would go to the city's Open Space and Mountain Parks Department. That piece of land also encompasses the lower third of Chapman Drive, a 20-foot-wide dirt road built in the 1930s by the Civilian Conservation Corps that intersects with Colo. 119 about 3.5 miles up Boulder Canyon.

The second two lots -- which would be five acres and seven acres in size -- would surround existing residences.

City Councilman Cowles uses profanity towards cyclists

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From the Daily Camera

Apparently City Councilman, Macon Cowles, sent an email directed to Frank Overton of FastCat Coaching stating "In fact, I made the motion and spoke for it at length. All any of us are hearing today -- regardless of which side of that issue we were on -- is a bunch of s--t from people with a single minded focus on mountain bikes."

Please read the entire article at Daily Camera

Which city council members are bike friendly

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Thanks to the recent vote on a Proposed Connector Trail near downtown Boulder the city council made it pretty clear which members are bike friendly and which are not

Here the Boulder Mountain Bike Alliance helps you find clarity in selecting bike friendly candidates in this up coming election.



No bikes on Anemone Hill

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Looks like Boulder cyclists got the head fake from Boulder officials to allow cyclists on Anemone Hill as a connector to Betasso. This connector trail would have given cyclists immediate downtown access to trails and remove the requirement to ride on Boulder Canyon for those wanting to ride to Betasso. The number of mountain bike trails accessible close to town will remain embarrassedly low.
From the Daily Camera

The 5-4 vote rejecting mountain bike access on the planned Anemone Hill loop trail came at a special meeting in which the highly contentious West Trail Study Area plan was resurrected for several hours. The plan -- which defines public access to the 11,250-acre swath of open space west of Broadway that stretches from Linden Avenue south to Eldorado Springs Drive -- was approved in March, but the leaders have tweaked the plan several times since then.

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