Everybody knows to not drink and drive. But did you know that drinking and biking is a big issue as well? Per the Insurance Institute for Highway Safety, deaths among intoxicated cyclists are considered to be a “significant problem” and are not declining as much as drunk driving deaths.
In fact, over 20% of all cyclists who were killed were a result of alcohol. In addition to this, impaired cyclists were much less likely to be wearing a helmet. There is probably a correlation between less helmet wearing and an increase in fatalities.
While cycling drunk can be a bad decision for your safety, it can also be bad for the cars around you. Remember: if you are biking on the road, you are just like a car and cause problems for other people. Imagine you are biking while intoxicated, run a red light, and cause an accident. Depending on the severity of the accident, and whether or not you are found to be at fault, this could be very bad for you and your bank account.
If you plan on biking a lot on the streets, we recommend investing in a personal umbrella insurance policy. If you are biking and cause some type of accident, an umbrella policy will help to cover you past what your renter’s insurance will. It is important to ensure that you will be fully covered while you are on the road. If you are not fully covered, you may be risking a lot and could lose everything. An umbrella insurance policy will give you peace of mind while out there biking.