RVing is becoming one of the most popular ways to travel. A successful and safe RV trip takes preparation and planning to make it a good experience. Whether you are new to RVing or not, these tips can help ensure that your trip will be a smooth experience. The Olderman & Hallihan Agency, Inc. urge you to follow and read through these tips for insurance coverage, adapting to weather conditons, and driving your RV.
Learn How to Drive the RV You Plan to Use
If you are vacationing in an RV for the first time, practice driving first. If you don’t own your RV, then rent an RV for a day before your trip and take it driving! Keeping the RV between the lines, accelerating, braking, using only mirrors to see what’s behind you, and passing vehicles top the list of maneuvers that you will need to know while on the open road. RV’s handle very differently from a car, SUV, or pickup. Practice backing your RV up so that you can back into a campsite. If you have a passenger, it a good idea to have a spotter to help guide you. Many accidents and claims happen due to hitting tree limbs, picnic tables or other items that were in the driver’s blind spot.
RV Insurance and Road Service
Knowing your insurance coverages is important. Be sure to research road services that specialize in RVs. Only a few road service companies will tow the trailer, too.
- What does your RV insurance cover?
- Liability insurance can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant. This coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.
- Property Coverage – After you’ve considered the potential liabilities you are exposed to while operating a recreational vehicle, it’s time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.
- Does your motorhome policy cover your towed vehicle? Do you need separate RV insurance for road service coverage?
- In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.
Check Road Conditions, Construction, and Closures
Save time and frustration by checking road conditions, closures, and construction. The US DOT Federal Highway Administration website shows a map of the states. Click on the state you will be traveling in and choose a link that shows current road conditions on the following link National Traffic and Road Closure Information | Federal Highway Administration (dot.gov).
You will also need to be mindful of overpasses, bridge and tunnel height restrictions.
Knowing the weather forecast can help avoid problems. Rain, snow, ice, hail, wind– you might encounter all of these in one day! Below are just a few weather sites that give weather for all states.
Motorhomes are your second home (on wheels!) and you need to have proper insurance coverage. The last thing you want to worry about is being financially liable for causing an accident and not having proper RV insurance. Most states only require minimal liability insurance that protects others if you’re at fault.
The Olderman & Hallihan Agency, Inc. is an independent insurance agent located in Ansonia, CT. We can provide coverage from many insurance carriers so you receive the RV insurance for your budget and needs! You can reach us at (203) 734-1601or online at https://www.oldermanhallihaninsurance.com/category.aspx?id=RV.