Enjoy the Spring and Summer in your RV!

Tips for safe driving in your RV

With spring just around the corner, it’s a great time for a “spring break” RV trip. Whether you’re heading to a State Park or planning your getaway a lot farther from home, you’ll want to make the trip safely.

At MVP Agency Inc., we want you to travel safely too. Here are some great tips to help you get out there and back without worry, because nothing can ruin an RV trip faster than trouble on the road.

First, know your ride — even if you’re just along for the ride

Of course, knowing the features (and limitations) of your RV is the first step to safely driving it. Are you towing a car? Be mindful of how that will affect your stopping power and maneuverability. Know the dimensions of your vehicle to help with parking and any tight spots you might encounter on the road. Make sure you know that you can fit under the overpasses and bridges on your route.

And even if you’re just a passenger, it’s a good idea to learn how to drive the RV as well. You might need to take over in an emergency or other situation.

Maintenance, maintenance, maintenance

Just like a car, keeping your RV well-maintained is extremely important. Are your tires in good shape and properly inflated? If you’re towing a car or boat, do you need additional braking power? Are your mirrors angled correctly? Is your safety equipment (for example, your fire extinguisher) in good working order? Doing a walk-around and conducting some quick checks before you leave can save you a lot of frustration down the road.

Down the road!

Your RV is much bigger than a car, of course, and that means you need to act more carefully when you’re driving it.

·         Know your blind spots and use caution when changing lanes, merging or turning.

·         Be patient and aware at all times. Consider installing a rear camera to help give you a complete picture of your surroundings.

·         Other vehicles may act aggressively to get around you, and sometimes will cut you off once they have passed. Prepare for these situations and understand that many drivers don’t realize that you need additional space in front of the RV.

·         Because your vehicle is far heavier than others, it picks up speed faster when going down hills or mountain passes, so keep an eye on that speedometer.

What about parking?

·         It’s best to have someone to guide you into a parking spot. If you don’t have anyone with you, check out the area before you try to pull in.

·         Practice turns and backing up before you leave on your trip.

·         Of course, never park for the night in an area unless you have approval or know that it’s safe.

Need to learn more?

Consider taking an RV driving safety course, if possible. At the very least, practice in a large parking lot before hitting the road. Taking a little time to learn how best to drive your RV or improve your skills can have a big impact for you and your family!

Sidebar:

You’ll find a lot of helpful resources online for RV owners. We like:

·         Good Sam Club at www.goodsamclub.com

·         Family Motor Coach Association at www.fmca.com

·         The list of RV clubs at www.rv-clubs.us/rv-clubs.html

·         Great safety tips at www.safeco.com/rv-insurance/rv-safety-tips

Remember to give us a call at 740-966-3180 when you need coverage for your RV or anything else. We’re here to help!

Concealed Carry Permits and Liability Insurance

Self Defense is something no one wants to have to deal with but if you have gone through the steps to protect yourself and family with a Concealed Carry Permit, have you thought about what would happen after the incident? The moments after using your gun to protect your family are going to be full of confusion, adrenaline, and possibly panic. The days, weeks, and months to follow could become very difficult if things aren't managed properly.

Many have the question, why would I be in trouble for protecting myself?  
  It happens all the time. Self defense is not always black and white and not everyone understands the reality of self defense. For example, what if you shoot an attacker, and the moment you pull the trigger, he turns so that a bullet goes into his back? What if you're being beaten by three teenagers, you shoot, and one shot kills a 14-year old? What if an anti-gun prosecutor hopes to get publicity for convicting you?

If you are taken to jail, will you have the money to post bond? What about legal costs for defense? Lost wages for time off of work to get this straightened out? What if the family of the person you had to shoot brings a civil suit against you? 

Even though you should come out of it all with no charges against you, it may take a lot of time and money to get to that point. This topic has come up to insurance agents more and more in recent years and many times you won't get a clear answer because the homeowners policy language is somewhat unclear when it comes to this sort of liability issue. You would typically have coverage for an accidental shooting, which usually means an accident while hunting or handling the gun improperly, but if you intentionally shoot, even though it was in self defense, it could be excluded. If you are unsure how you would be protected, lets talk about it. Our job as insurance agents is to protect you and your family, and this is just a possible gap in coverage your traditional insurance package has that we can help you fill.