Hitting the Road for Labor Day? Here are some good tips to prevent drowsiness while driving:
"Before “hitting the road”
Get adequate sleep—most adults need 7-9 hours to maintain proper alertness during the day
Schedule proper breaks—about every 100 miles or 2 hours during long trips
Arrange for a travel companion—someone to talk with and share the driving
Avoid alcohol and sedating medications—check your labels or ask your doctor
Countermeasures to Prevent a Fall-Asleep Crash While Driving
Watch for the warning signs of fatigue—see above
Stop driving—pull off at the next exit, rest area or find a place to sleep for the night
Take a nap—find a safe place to take a 15 to 20-minute nap
Consume caffeine—the equivalent of 2 cups of coffee can increase alertness for several hours
Try consuming caffeine before taking a short nap to get the benefits of both.......
more great tips from the National Sleep Foundation
Tuesday, August 28, 2007
RV owners may not have right insurance coverage
from Progressive Insurance Survey Says RV Owners may not have right insurance coverage
"If you bought a tractor-trailer or an airplane, you probably wouldn’t put either on your car insurance policy, since both are specialty vehicles and require specialized coverages and claims handling, right?
Then why, when asked, do more than half of RVers surveyed report having added their RV to their car insurance policy?
“We don’t know why, but we do know why they shouldn’t,” said Cathy Pelfrey, RV product manager, The Progressive Group of Insurance Companies, a leading seller of RV insurance in the U.S. “There are vast differences in coverage and services available from companies that specialize in recreational vehicle insurance that owners need to be aware of – we recommend they check with a local independent insurance agent or do research online to find out what’s available so they can make the decisions that are right for them.”
For example, what if…
Your RV breaks down on a trip?
While a lot of car insurance policies offer Roadside Assistance, your policy may not offer it for your RV. And, even if it covers some roadside expenses for RVs, it may not cover them all. For instance, it may pay for towing but only up to the amount it would typically cost to tow a car; RV tows can cost three times more, which means out-of-pocket expenses you’ll be responsible for paying.
Specialty insurers will generally also offer “emergency expense” coverage that will pay for temporary living quarters if the RV breaks down far from home. This kind of coverage will also generally cover the cost to return an RV home from a wreck or breakdown that happens more than 50 miles from home.
Your RV is stolen or totaled?
Your auto policy will likely pay Actual Cash Value (ACV) for your RV—that’s the market value as determined by third-party sources. However, most specialty insurers will offer you a choice of how you’d like this kind of claim handled. Some will offer you the choice of an agreed value settlement, that is, you and the insurance company agree, up front, what the RV is worth. If the RV is stolen or totaled, that’s the amount you’ll receive, less whatever deductible you chose when you bought the policy. Specialty insurers may also offer you Total Loss Replacement coverage that will provide you with a new RV in the event your RV that’s five years old or less is stolen or totaled. .....from Progressive Insurance
If you need an RV Insurance quote call Dick Watts Insurance, Louisville, KY 502-245-3625.
"If you bought a tractor-trailer or an airplane, you probably wouldn’t put either on your car insurance policy, since both are specialty vehicles and require specialized coverages and claims handling, right?
Then why, when asked, do more than half of RVers surveyed report having added their RV to their car insurance policy?
“We don’t know why, but we do know why they shouldn’t,” said Cathy Pelfrey, RV product manager, The Progressive Group of Insurance Companies, a leading seller of RV insurance in the U.S. “There are vast differences in coverage and services available from companies that specialize in recreational vehicle insurance that owners need to be aware of – we recommend they check with a local independent insurance agent or do research online to find out what’s available so they can make the decisions that are right for them.”
For example, what if…
Your RV breaks down on a trip?
While a lot of car insurance policies offer Roadside Assistance, your policy may not offer it for your RV. And, even if it covers some roadside expenses for RVs, it may not cover them all. For instance, it may pay for towing but only up to the amount it would typically cost to tow a car; RV tows can cost three times more, which means out-of-pocket expenses you’ll be responsible for paying.
Specialty insurers will generally also offer “emergency expense” coverage that will pay for temporary living quarters if the RV breaks down far from home. This kind of coverage will also generally cover the cost to return an RV home from a wreck or breakdown that happens more than 50 miles from home.
Your RV is stolen or totaled?
Your auto policy will likely pay Actual Cash Value (ACV) for your RV—that’s the market value as determined by third-party sources. However, most specialty insurers will offer you a choice of how you’d like this kind of claim handled. Some will offer you the choice of an agreed value settlement, that is, you and the insurance company agree, up front, what the RV is worth. If the RV is stolen or totaled, that’s the amount you’ll receive, less whatever deductible you chose when you bought the policy. Specialty insurers may also offer you Total Loss Replacement coverage that will provide you with a new RV in the event your RV that’s five years old or less is stolen or totaled. .....from Progressive Insurance
If you need an RV Insurance quote call Dick Watts Insurance, Louisville, KY 502-245-3625.
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