Making the Most of Your RV This Spring and Summer

A major factor in making the most of your RV travel this Spring and Summer is proper de-winterization in plenty of time for your first road trip.  Making sure that everything is ship-shape on your vehicle will allow you to enjoy yourself much more than if you have to spend your time worrying about things that might happen or actually having to deal with things that DO happen.  We all know that an ounce of prevention is worth a pound of cure, especially if you find yourself stuck in the middle of nowhere, broken down, with no cell signal and no working jack or spare tire.

Avoid Mechanical Problems Before They Happen

To avoid the no working jack or spare tire problems, simply go through your RV with a list of things that need to be checked before your RV travel to make sure they're covered.  If you're pulling a fifth wheel or travel trailer, many of your RV safety checks will be mechanical since the towing vehicle requires most of the attention to make sure it meets the safety standards that everyday driving require.

Common sense tells you that before going anywhere you should gas up, air up your tires, make sure your battery is charged and that your fluids are topped up.  What may not be so obvious is to check your brakes, your shock absorbers and your axel bearings.  These last items may require service by a professional mechanic, so it's important to get these things done in plenty of time before your departure date.

First Aid Travel Kit

An important item you need to make sure you have on hand during your RV travel is an emergency first aid travel kit.  This should be a collection of items to deal with minor emergencies or illnesses, basic first aid items, medicines for skin problems, for stomach and respiratory problems.

In addition to these important first aid items, you should also have a basic emergency travel kit in your vehicle.  This kit should include, among other things, a flashlight, battery-operated or hand-cranked radio, extra batteries, local maps, pet supplies and basic hand tools.

You'll also want to make sure you have some entertaining activities for the kids if you have any children along on the trip.  This can include books, comics, video games, puzzles, etc.  These items may come in handy during a long drive to overcome the boredom.

 

RV Insurance: What is Personal Attachments Coverage?

Greensboro RV Insurance is similar to standard automobile insurance, with many important features you need if you actually operate your RV on public roads as opposed to keeping it parked and not driving it anywhere.  It's also similar to homeowners insurance in that it provides protection for personal property kept in your vehicle in the same way your home insurance provides protection for the personal belongings kept in your home.  For some, their RV actually is their home and they need to have comprehensive protection from financial loss from any of the many perils to which an RV may be subject.

What's Required for Your RV

Just as with any motor vehicle being driven on North Carolina's public roads, the only vehicle insurance required by state law is a minimum amount of liability coverage that pays benefits to someone suffering injury, death or property damage as the result of an accident you've caused.  Add to this uninsured/underinsured motorist coverage, which pays you if you're the victim of a hit and run accident or involved in an accident caused by someone with either no or insufficient insurance coverage.

Beyond the Required Minimums

It's easy to see that the minimum amounts of liability and uninsured/underinsured RV insurance coverage are significantly less than you'd likely need if involved in a real-world accident with your RV.  These minimums are 30/60/25 per accident, or $30K for a single person injury, $60K for two or more persons injured and $25K for property damage.  The same minimums apply to uninsured/underinsured coverage.  A serious accident where you're found to be at fault would likely require significantly more funds than the minimums provide and experts advise you take out three to five times the minimum amounts of coverage required.  Some say you should carry as much liability protection as you can afford.  An affordable solution is to take out an umbrella policy.

Popular Options to Required RV Coverage

Standard Greensboro RV insurance covers the legally required liability and uninsured motorist coverages and adds some important protection such as:

• Collision insurance
• Comprehensive coverage for losses resulting from other than collisions
• Personal property coverage
• Medical payments coverage

Another optional coverage, unique to RV insurance, is Personal Attachments Coverage.  This is protection against losses relating to the theft, damage or destruction of anything attached to the exterior of your RV and may include:

• Satellite dish
• Bicycle
• Awning
• Cargo carrier
• Outdoor furniture, and more

 

29 Essentials for Your ATV Ride

 

When you're trail riding your ATV, especially when exploring far out into the back country, you'll need ways to handle whatever pops up so that your jaunt can stay safe and uninterrupted by problems for which you're unprepared.  The trick to being prepared for unexpected problems while trail riding is to be armed with a number of essentials you shouldn't be out riding without.  This includes proper insurance protection.

Whether your off-road adventure is for the day or a week, a well put together kit of off-roading essentials will help in ensuring your trip is safe and enjoyable and that you're prepared for any situation.  This may include anything from a simple mechanical repair, a flat tire or an injury requiring first aid.  All of these situations should be mere bumps in the road if you've come prepared with a comprehensive off-roading ATV essentials kit.

Your Essential ATV Off-Road Kit of Safety Equipment and Supplies

Essential items for your ATV trail ride kit fall into three categories - tools, safety equipment and spare parts.  For longer rides you'll likely need more items, but some of these essentials should be carried at all times when possible.  Here's the list.

Tools

1. Carry your ATV's owner's manual and be familiar with key service items
2. Adjustable wrenches or assorted sizes specific to your model ATV
3. Allen wrenches
4. Flat head and Philips head screw drivers
5. Pliers
6. Spark plug wrench
7. Tire repair kit and air pump, either manual or 12-volt
8. Flashlight
9. Zip ties
10. Roll of baling wire
11. Duct tape

Safety Equipment and Supplies

1. Proper riding gear
2. DOT-certified helmet
3. Cellular phone
4. Maps or GPS
5. Matches or lighter
6. Pocket knife
7. Small fire extinguisher
8. Extra tire tube(s)
9. Tow rope
10. Power snacks such as power bars, trail mix or beef jerky
11. Thermal blankets
12. An experienced rider to help carry the essentials and accompany you on the ride.  You should avoid riding alone.

Spare Parts

1. Extra fuel (in a small container)
2. Spare tire
3. Lug wrench
4. Spare drive belt (depending on ATV model)
5. Jumper cables
6. Spark plugs

Be Prepared

These lists may appear to contain a lot of items but they cover just about everything you might need when something goes wrong on a trail ride.  An old saying tells us that the one thing you forget is probably the one thing you'll need.

Though not essential, you might also consider installing a power wench on your ATV.  They have many uses.

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.

RV Insurance Coverage: Vacation Liability

 

Just as with automobile insurance, RV Insurance is required for all recreational vehicles driven or towed on North Carolina public roads.  The minimum amount of liability coverage required by the state is $30K for bodily injury (per person, per accident), $60K for bodily injury of all persons per accident and $25K for property damage per accident.  NC law also requires all drivers be covered by uninsured/underinsured motorist coverage.

And, like with auto insurance, there are many add-on coverages available in your RV insurance policy that are not required by law but that provide valuable benefits when needed.  These include:

• Collision coverage, which pays toward damage suffered in a vehicle collision
• Comprehensive coverage, which pays for damages suffered in non-collision scenarios such as fire, theft, vandalism, etc.
• Roadside assistance and towing coverage

Specialized RV Insurance Coverage 

The above list includes basic RV insurance coverage, to which you can add the mandated liability coverage and uninsured/underinsured protection the state requires you have.  There is also a specialized list of RV insurance coverage that can be added to your basic policy to provide additional protection.  These include:

• Total Loss Replacement Coverage - available for a single-owner, brand new RVs.  If used, this coverage pays the full amount for replacement of a totaled RV.  Replacement for older vehicles is based on actual cash value, which incorporates depreciation.
• Custom Equipment Coverage - this helps pay for losses involving custom upgrades to your RV, both inside and out.  Basic policies typically include only about $1000 coverage form custom equipment, which may be much less than actual costs.  This coverage extends that coverage.
• Emergency Expense Reimbursement - pays for travel and lodging if something happens to your RV while you're away from your home.
• Vacation Liability Coverage - sometimes automatic in policies that include both comprehensive and collision protection, vacation liability coverage protects against liability when your RV is used as a vacation space in a campground.

Vacation Liability Coverage - also known as campsite liability protection, covers you in the event there is bodily injury or property damage at your campsite or in your RV while it's parked off of public roads.  This coverage doesn't apply to family members.

If someone trips and falls and breaks a limb or your dog bites a visitor to your campsite or RV, you're covered with vacation liability protection.  This includes helping pay defense costs and any liability settlement amounts.

IS RV Insurance Required?

Unlike what's required in many other states, ALL types of recreational vehicles driven or towed on public roads in North Carolina are required by state law to be covered by a minimum amount of RV insurance. This includes motorized RVs such as Class A, Class B and Class C RVs as well as bus conversions. It also includes the following non-motorized RVs:

• Fifth-wheel trailers
• Tent trailers (pop-ups)
• Toy haulers
• Travel trailers
• Truck trailers

What's the Minimum Coverage?

Just as with regular auto insurance coverage requirements in the state, liability RV insurance is required in an amount that at least meets the state minimums, which are:

• $30,000 bodily injury/person per accident
• $60,000 bodily injury total for all persons per accident
• $25,000 property damage per accident

Bear in mind that the above described liability coverage only pays benefits to third parties suffering losses in accidents that have been proven to be your responsibility. This coverage pays no benefits toward compensation for your own personal injuries or property damage.
RVs are also required to carry uninsured motorist coverage, which protects you from losses deemed the responsibility of a motorist who is uninsured or underinsured.

What's Not Required (But Probably a Good Idea)

Just as with auto insurance, there are plenty of insurance options to consider when buying your RV insurance policy. First off, it should be mentioned that the state minimum requirements for liability coverage are typically woefully inadequate in the real world of medical costs for injuries or property damage arising from a vehicle collision. Keep in mind that any costs incurred over and above what your liability coverage pays must come out of your own pocket, so think seriously about increasing your liability protection to a more adequate level.
Once your liability coverage is decided, there are other add-on coverage options to consider. These include:

• Collision
• Comprehensive
• Medical payments
• Personal Injury Protection (PIP)
• Roadside assistance, towing or rental reimbursement

Besides the above listed policy options, which are also available on any standard auto insurance policy, RV insurance can include some specialty option add-ons such as:

• Emergency expenses - pays for temporary living and travel expenses if your RV is damaged and you can't use it
• Equipment protection – pays for damage or loss of equipment stored outside your RV such as a satellite dish or trail bike
• Personal belongings protection – pays for damage or loss of personal items within your RV

RV Insurance: How Does it Work?

Here in North Carolina, recreational vehicles are very popular and, while the term RV usually evokes the image of large motor coaches rolling down the road or parked at a scenic campground, it can mean many things. Recreational vehicles include all types of motorhomes, from small pop-top camper vans and bus conversions to Class A, B and C motor coaches. Other types of RVs could include boats, all-terrain vehicles and even golf carts.

Who Needs Protection?

All of the aforementioned vehicles pose a certain amount of risk to the driver/owner. For this reason, they should be covered by sufficient insurance to prevent the suffering of financial losses that become your personal responsibility. North Carolina, like all other states, require that motor vehicles driven on public roads be covered by a minimum amount of state-mandated liability coverage. Just as with your car insurance, RV liability coverage pays “the other guy” when you’re involved in an accident shown to be your fault. However, just like car insurance, options exist whereby you can add coverage that reimburses you for losses resulting from a collision (collision coverage) or from non-collision caused losses, such as theft, vandalism, fire, storm damage and more (comprehensive coverage).

Why RV Insurance is Unique

Many RVs are large, difficult-to-drive vehicles more likely to be involved in accidents that cause a great deal of damage to other individuals and their property. For this reason, often the claim dollar limits are higher than for regular car insurance. In addition, RVs often contain a great deal of items, including appliances and any number of personal items.

Even if you only use your RV occasionally, or for a few months a year, you need to carry coverage year-round, especially the comprehensive coverage that protects against losses from non-collision incidents. Another consideration applies to those individuals who live in their RVs as a substitute for conventional homes. In these cases, some provisions of RV insurance will more closely resemble a typical homeowner’s insurance policy.

While basic liability insurance is required by law if your RV is licensed for the road, if you’ve purchased your vehicle through a bank or other financial institution, it will want collision and comprehensive coverage to protect its financial interests. Your local insurance broker can clearly explain everything you should have.