Uninsured driver, liability, medical coverage

Theft and accidents are two major concerns for every cyclist. While both are legitimate worries, being involved in an accident—such as getting hit by a car or sustaining an injury—is far more consequential. Even though taking preventive measures like riding responsibly, using proper safety gear, and staying aware of your surroundings helps mitigate risks, accidents often happen unexpectedly and affect anyone. Fortunately, there are insurance options available to help manage the financial strain that may arise from such incidents, as detailed below. ### Liability Coverage Liability arises when someone is held legally accountable for their actions, such as causing property damage or injuring another person. A valuable lesson in life is that you don’t have to be at fault to face legal action, and defending yourself in court can be costly. Liability coverage ensures that your insurer will cover legal fees to represent you and compensate the plaintiff if necessary, up to the policy limit. Given that hiring a competent lawyer can cost anywhere from $500 to $1,000 per hour, liability coverage is a fraction of that cost and offers significant protection against substantial financial loss. If you already have a homeowners’ insurance policy, you might already have liability coverage for personal activities, but it’s wise to confirm whether it applies outside your home. Cycling is considered a personal activity, so if your policy includes this coverage, you’re already protected when biking. However, if your policy only covers liabilities occurring at your home, you may want to consider adding liability coverage to your bicycle insurance. Particularly for e-bike riders, liability coverage is essential since many home insurance policies exclude e-bikes from coverage. #### Scenario: While riding in a bustling city, a distracted pedestrian walking and texting steps into your path, resulting in an accident. The pedestrian is injured and requires medical attention. Following the incident, you receive a legal notice demanding $10,000 to hire a lawyer. With liability coverage in place, your insurance provider assigns a legal team to defend you, ensuring you won’t face any financial penalties if the case doesn’t favor you. ### Vehicle Contact Protection Bicycle-car collisions can be catastrophic, regardless of who’s at fault. According to the Centers for Disease Control and Prevention, nearly 1,000 cyclists die annually, and over 130,000 are injured in such accidents. Due to the stark differences in size, weight, and safety features between vehicles and cyclists, riders are highly vulnerable in these situations. The severity of injuries depends on factors like vehicle speed, collision points, and other circumstances. If you frequently ride on roads shared with cars, it’s crucial to consider Vehicle Contact Protection. This optional coverage, available from Velosurance, offers limits ranging from $10,000 to $25,000 and covers medical expenses, physical therapy, lost wages, and more following a bicycle-car collision. This coverage functions similarly to uninsured/underinsured (UIM) motorist coverage in auto insurance policies. For e-bike riders, Vehicle Contact Protection is essential since car insurance UIM coverage typically does not extend to e-bikes. Here are some scenarios: #### Scenario: Without owning a car, your bike is your primary mode of transport. During a commute, a car running a red light hits you. Although the driver stops and you’re hospitalized, their insurance coverage is insufficient to cover all your medical expenses. Vehicle Contact Protection fills the gap, up to your chosen limit. #### Scenario: While cycling on a rural road, a truck towing a trailer accidentally clips you, leaving you injured. The driver doesn’t stop, leading to a hit-and-run scenario. To recover costs for your injuries, you’ll need a police report and contact with your auto insurance’s Personal Injury Protection (PIP) or UIM coverage. Without these, Vehicle Contact Protection can step in to cover your losses. #### Scenario: On a city street, a motorist turns in front of you, causing an accident. Cited by the police, the motorist lacks car insurance. Medical bills and lost wages strain your finances. Fortunately, your personal auto insurance’s UIM coverage will cover initial costs, with remaining expenses handled by your bicycle insurance’s Vehicle Contact Protection. ### Medical Coverage Healthcare costs continue to rise dramatically. Health insurers are shifting more expenses to consumers, increasing deductibles and introducing additional charges like co-insurance. For cyclists, who engage in one of the riskiest activities, securing coverage for potential accident-related injuries is vital. Velosurance offers specialized medical coverage to bridge gaps in your primary health insurance. Known as "gap insurance," this coverage helps cover out-of-pocket expenses until your regular insurance takes effect. This coverage is especially useful for individuals with high-deductible plans or no health insurance. If you lack primary coverage, this serves as your main health insurance, up to the selected limit. Since it only applies to expenses related to bicycle accidents, it’s affordable yet highly beneficial. When purchasing, match the coverage to your current health plan’s deductible, with Velosurance offering limits from $1,000 to $10,000. #### Scenario: During a ride, you fall off your bike and fracture your collarbone. Surgery costs $30,000, followed by 10 physical therapy sessions at $250 each. With a $6,500 deductible on your health insurance and $10,000 in medical coverage on your bicycle policy, you’ll receive a $9,000 payout within two weeks to cover these expenses. Your total out-of-pocket cost remains zero. ### Conclusion Insurance safeguards you from unexpected financial burdens. As a savvy consumer, understanding your financial standing and risk tolerance is key to choosing appropriate coverage. If cycling is integral to your lifestyle, it’s wise to assess the risks involved. At Velosurance, our bicycle insurance experts will tailor a policy to suit your needs, ensuring peace of mind knowing you’re financially secure, no matter what happens. **Ready to protect your rides? Get a free instant quote today!** --- *Note: This content is based on general information and should not replace professional advice tailored to individual circumstances.*

Round High Pressure Filter Press

The circular Filter Plate Filter Press adopts a hydraulic device as the power mechanism for pressing and loosening the filter plate. The filter plate is circular and made of high-strength and high-toughness polyethylene material with high compressive strength. The filter chamber adopts a linear seal with excellent sealing performance. Well, high pressure. It is mainly used for high-pressure filtration such as clay, porcelain clay, and petroleum dewaxing.

The ultra-high pressure circular filter press is divided into eight main parts, the cylinder base, the fixed plate, the polymer polypropylene filter plate and the guide rod, the intermediate support and the pushing plate, the oil cylinder and the hydraulic station. The circular filter press has a fast processing speed.

Ultra-high pressure circular filter press function introduction:
The ultra-high pressure circular filter press uses high-pressure filter pressing to quickly dehydrate the materials to be filtered and press them into mud cakes. The general pressing pressure can reach 30 kg per square centimeter, and the pressure can be as high as 2 Pa. The temperature of the filtered sludge is basically around 35 degrees. Therefore, the ultra-high pressure circular filter press is not suitable for high-temperature materials. The time of each filtration cycle is between 1.5 hours and half an hour. The moisture content of the mud cake filtered by the filter can be as low as 18%, which can be directly recycled as recycling resources, or can be directly used in the vacuum mud refining machine for mud refining.

Filter press,Membrane Plate Filter Press,Sludge dewatering,solid-liquid separation,Good sealing

Shenzhen Hongfa Environmental Protection Equipment CO., LTD , https://www.hongfafilterpress.com