Bike Law by Steven M. Magas, The Bike Lawyer [Adventure Cycling Association]

Can’t you just picture it — maps laid out, clothes folded ready to be loaded into waiting panniers, bike all tuned up, the smell of chain lube wafting about the room? The last thing on the touring cyclist’s mind as they go through their pre-trip checklist is the BLS (Boring Legal Stuff ).
Unfortunately, failure to consider the BLS of insurance and estate planning can end up costing the touring cyclist time, money, and their family’s peace of mind. Insurance? You don’t need to worry about no stinkin’ insurance, right? You’re riding a bike for two weeks, not a car … what can possibly happen? (For this part of the article, let’s assume you are staying inside the United States — things really get crazy in the insurance world when you cross sovereign borders.)