Commuting Tips for Bike Safety

By Matt Marinelli

Bike commuting can save money, fight pollution and help you stay in shape. But cyclists can face a higher risk of crash-related injury and deaths than those commuting to work by car. That’s why it’s important to keep the following bike safety tips top of mind.

Give a Good Once-over

Before you set off, make sure the brakes and gears work properly and that the tires are inflated.

Know the Rules of the Road

Your bike is considered a vehicle, so laws that apply to motorists also apply to you. If you’re biking on the road, you should:

• Obey all traffic lights, road markings and stop signs.
• Ride with traffic, and use the right lane or bike lane.
• Use hand signals to indicate turns and lane changes.

Bring the Right Gear

You’ll want a few essential safety items and equipment to take care of minor maintenance issues.

A properly-fitted helmet is a must-have. Helmets can reduce the risk of brain injury or other head trauma if you’re involved in a crash. But remember: Helmets are designed to withstand only one crash. Replace yours after any crash, and never wear a helmet with cracks, missing pieces or other damage.

You may also need:

• Front and back lights (Headlights are mandatory at night.)
• Reflectors tightly secured to your bike
• Bright-colored or reflective fitted clothing (Loose clothing

can get caught easily.)

• Replacement tube
• Air pump
• Patch kit for tire repair
• Tire lever
• Multi-tool with wrenches, screwdrivers, and a chain tool
• U-lock or heavy chain lock

If you’re involved in a crash with an automobile, contact the police right away. Get a full crash report, seek prompt medical treatment for your injuries, and take photos of any damage to your bicycle or other property for insurance purposes. And when you’re ready to file a claim, download the free State Farm® Pocket Agent® app for a quick, simple process.

You can contact Matt Marinelli at 301 Oxford Valley Road, Suite 1602A, Yardley, PA 19067. Call 267-573-4950 or email matt@marinelliinsurance.com. His mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. He offers products for auto insurance, home and property insurance, life insurance, health insurance, banking products, annuities, mutual funds and business insurance.