Is Motorcycle Insurance Required?

 

North Carolina state law requires that all motor vehicles operated on public roads within the state be covered by at least a minimum amount of liability insurance.  This includes motorcycles and motor scooters.  While there are a variety of other insurance coverages available to motorcycle owners, only liability coverage is made mandatory by state law. 

Liability insurance is what helps protect you from financial losses if you are found legally responsible for causing losses to others while operating your motorcycle.  These losses can be in the form of physical injuries, death or property damage/destruction.  The state has set minimum requirements for the amount of mandatory liability coverage which are as follows:

1. Bodily injury coverage - $30K per person per accident and $60K for all persons per accident
2. Property damage coverage - $25K per accident

How Much Do You Need?

While these above outlined dollar figures are the minimum amounts of coverage required, you may elect to have higher limits on your policy.  This makes sense, since an accident for which you are held liable can amount to many times these minimums.

Motorcycle liability insurance helps pay for third-party injury expenses including medical costs, lost wages, funeral costs (in the event of a death) and even long-term disability costs.  It also pays for property damage, including damage other vehicles suffer.  It may also pay toward the costs of defending you in court if you're subject to a liability suit.

With liability coverage only paying up to policy limits, it's obvious that any accident you cause could end up costing you many, many times your policy limit if you're only carrying the minimum liability amounts.  Experts recommend you buy five to ten times the required amounts, depending on how much in assets you need to protect.  You might also consider adding an umbrella policy to your coverage.  These policies typically have limits starting at one million dollars.

Additional, Optional Motorcycle Coverage

Although not required by law, there are a number of other types of motorcycle insurance coverage that are highly recommended for anyone riding on two wheels.  Statistics tell us that the majority of motorcycle insurance claims are for single vehicle accidents where liability coverage doesn't come into play.  Cyclists should consider the following:

• Collision coverage
• Non-collision (or comprehensive) coverage
• Uninsured/underinsured motorist coverage
• Medical payments coverage

Some insurers will offer lower premiums for lay-up insurance when your bike is stored away for the winter.

6 RV Safety Tips

 

RVing has become an increasingly popular way to travel and vacation, but it also includes a number of potential safety hazards that should be understood before starting out on your RV experience.  Just because you can drive a car doesn't mean you'll be immediately adept at driving a motor coach or towing a trailer.  Let's take a look at some important RV safety tips geared to helping you make the most of your RV travels while remaining both safe and sound.

Six RV Safety Tips

1. Whether you're renting an RV or already own a rig, the first and most important safety tip is to thoroughly get to know your RV.   You'll need to do some research so that you know the height of your rig, its weight and, especially if it's a trailer, it's weight capacity.   This means how much stuff you can add to your RV and still remain under the manufacturer's weight capacity recommendation.  You'll also need to know how to distribute the weight in your coach or trailer.
2. Driving an RV is more like driving a big-rig truck than driving a car and the only way to get used to driving something this size is to practice, practice, practice.  Before even purchasing your first RV you should rent a model you like for the day to see how it feels.  You might try this with several different models until you find one you really like.  Lots of maneuvers in an RV are different than you're use to in your car or pickup, including accelerating, braking, passing other vehicles, using only your mirrors to see behind your rig and, most importantly, backing up.
3. Your RV insurance and emergency roadside assistance should provide you with complete coverage.  If you're pulling a trailer and your pulling vehicle breaks down and needs to be towed, the trailer should also be towed so it's not left unattended on the roadside.
4. You need to monitor your tire pressure regularly, on your motorhome or on your trailer and pulling vehicle.  Tire blowouts are the reason for many RV accidents.  Under- or over- inflated tires are an accident waiting to happen.  Consider purchasing an automatic tire monitoring system.
5. Don't speed.  Your RV tires are rated not only for a maximum weight but also for a maximum speed.  Consult your tires' sidewalls.
6. Get enough rest and don't drive for too many hours on any given day.

5 Safety Tips for First Time Campers

 

First-time campers have a great deal to look forward to.  Whether you're venturing out for a solo camping experience, going with your best mate or including the entire family, camping out in nature can be a fun, rewarding adventure that must be experienced to be fully appreciated.

And, while camping can be both fun and entertaining, it also presents a certain degree of danger.  It's important for first-time campers to be aware of these dangers and to take steps to mitigate them wherever possible.

Safety Tips For First-Time Campers

Here are some safety tips to consider for first-time campers.

1. Site Safety

Choosing an appropriate camp site will depend on several factors including age and condition of group members and any physical limitations or medical requirements.  If you're staying at an established campground, you may have access to amenities not available out in the wilds, including restrooms, grocery stores, cell phone service, etc.

2. Fire Safety

Fire danger is ever-present for campers who are cooking and enjoying gatherings around a campfire.  Here are some fire safety tips:

• Don't build your fire beneath low-hanging trees
• Keep a water supply and/or fire extinguisher close at hand in case your fire gets out of control
• Don't leave your fire unattended
• Put out your fire completely before retiring
• Utilize available fire pits at campgrounds

3. Insect and Plant Safety

When going for nature hikes, you may sometimes accidentally come in contact with poisonous plants such as poison ivy, poison oak or poison sumac.  Learn what these plants look like, try to avoid them by staying on an established path and have some medications available such as oral antihistamines and topical creams or lotions.  Certain insects such as mosquitos can also be dangerous to your health.  Wear bug spray at all times when camping, even when sleeping, and use mosquito netting.

4. Water Safety

If partaking in water activities know water safety rules.  Know how to swim and, if boating, wear a life jacket.  Read any signs in or around the water and make sure someone in your group knows how to perform CPR.  Don't go into the water in the presence of lightning.

5. Food Safety 

Before your trip you'll need to plan what you'll want to eat and pack it in air/water-tight plastic containers, with perishables stored in an insulated cooler.  Avoid feeding any wild animals and keep food out of their reach!

8 of the Worst Camp Safety Mistakes

 

Venturing out into nature to experience the great variety of available camping activities has long been popular and, with spring here and summer on the way, the time to start making plans is now.  While some folks might be impulsive in deciding to go camping, there's something to be said about being properly prepared.  Like every Boy Scout learns, "Be Prepared" are words to live by to help avoid common camp safety mistakes.

The Worst Camp Safety Mistakes

In no particular order, following are some of the worst camp safety mistakes:

• Failure to complete some minimal pre-planning for your trip could be a big mistake.  Use a written checklist to help keep organized.  This should be checked and double-checked before leaving home for your camping trip.
• Failing to protect yourself from wild animals while camping or hiking can be the cause of inconvenience, injury or even death.  It's important to know what type of wildlife frequents the area you're planning to visit to take precautions to deter visits from critters and to protect yourself and your family.  Click here to find out more.

Bears in the Wild

Besides potential visits from small animals such as raccoons, possums or skunks, bears can be a real problem in some camping areas, especially if you're not in an established campground.  It's a mistake not to know how to deter bears from invading your campsite ore, if they do, how to react to them.  Bears coming into your camp are there for one reason - they want food (and human beings are not their preferred or typical food).  Consider these important tips:

1. Your food should be stored and cooked at least 100 yards away from where you'll be sleeping.
2. Food should not be kept in your tent.
3. Don't bed down in the same clothes you wore while cooking.
4. Food should be kept in airtight containers and a locking cooler.  These can be tied with rope and hoisted up a pole or a tree, at least seven feet from ground level.  As an alternative, lock food in your car trunk. 
5. Bears are attracted to garbage.  Put yours in doubled plastic bags and store in your car trunk.
6. If you meet a bear out on the trail don't make eye contact.  Speak in a low, calm voice while backing up.  Don't turn your back on a bear or run away.  Spray with bear repellent spray.