Taking a vacation in an RV is fun for the entire family, but RV’s (Recreational Vehicles) can be costly to purchase. Consider renting an RV like you would rent a car and don’t forget to get the best coverage you can before hitting the road.
RV’s are harder to maneuver then a car or truck, but once you get the hang of it you are off and running. When renting an RV there is insurance coverage available for damages for an accident and a general liability coverage. What you may not realize is that these plans may not offer insurance for the interior, appliances, tables, beds, furniture and basically the upkeep of the interior itself. Like renting a home, take pictures of the RV inside and out before you pull out of the parking space.
Qualifying for RV rent insurance, requires a valid driver’s license and certain age requirements which vary state to state. Your auto policy may have limited coverage already in place for RV’s and you should contact your insurance carrier to see what is available or if they can add it.
Peace of mind when on vacation is essential and knowing that you are insured for any problem, just makes your time taking in the beach, country side or visiting a national park that much more enjoyable.
Before you set out on a road trip, vacation or adventure to another state or outside the country, remember that it’s important you have the correct coverage for your vehicle. Whether it’s a motorcycle, truck, RV or car you want to be safe on the highways.
Most policies provide coverage in other states, U.S. territories and Canada.
U.S. drivers licenses are valid in Canada, as long as you’re just visiting Canada and are a resident of the U.S. Your American auto insurance is also valid for driving visits in Canada. When you cross the border, you just have to produce proof of your auto insurance, which you should always keep with you when driving.
Most states and territories have enacted financial responsibility laws requiring drivers to carry a specified amount of automobile insurance to cover losses resulting from ownership or operation of a motor vehicle. If the financial responsibility requirements where you are traveling are higher than you need to consult with an auto insurance agent for meeting the requirements.
Most policies do not provide coverage in Mexico, so if you plan to drive your car there, it’s wise to buy that coverage separately. Check your out-of-state coverage before you travel.
You can help make the roads safer by preventing yourself from becoming a fatigue-related statistic. Make sure you do get lots of rest and pull over if you feel too tired. Avoid auto insurance premium increases by using good judgment and being reasonable about your body’s limitations.
A friend of mine called and asked me if I knew what a Moose Whistle was. Being a Floridian we do not have much call for this item, but I informed my friend it is not used for hunting.
In the northern regions more likely you will have a collision with wildlife and even more so it is hard to detect them while driving in blustery snow. A Moose whistle is placed on the front of a vehicle and makes a sound somewhat like a dog whistle that only the moose, deer and other wildlife animals can detect. The moose whistle is a tool to help alert the precious wildlife to stay back from your area.and your moving vehicle.
One of the most common animals to to come into a collision with a vehicle is a deer. Every year there area multitude of deers getting hit across the country and this type of collision could cost you dearly.
How can you be more careful to avoid this? Learn more about the deers habits. Deer have a natural camouflage,and detecting them while driving can be difficult if you are on an interstate and driving at high speeds. It is easier to spot them during the day, but in the early morning hours and evenings this can be a challenge.
During the fall and November it is particularly more of a danger for both a driver and a deer when they are looking for food in the winter and mostly in the mountains. Keep an eye out if you are on a road protected by deer fence and keep special attention to where the fences begin and end, as deer can cross in these area’s. Also look for signs like roadside fences are broken down and be sure to slow down in these areas.
Hitting a deer can cause severe injury to the animal and damages to your vehicle and injuries to you and your passengers as well.
The Moose are also another animal to look out for and can cause more severe injuries and damage all the way around since a moose is much bigger then a deer. The injuries that occur when colliding with a moose are head and neck injuries since the moose is much taller and bigger and the full body weight with the windshield of many vehicles is common.
Travel carefully if in the area’s of wildlife and know that the early morning hours from 4 am to 6 am and the evening hours from 6 pm to 11 pm are the most dangerous for the animals and drivers alike.
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Ashley Bishop Owner/Agent
Budget Bi Rite Insurance, Inc
Serving all of Florida