Top Tips for Road Trips

A road trip is a great way to get out of the house and spend some quality time with family or friends. Oklahoma has some hidden wonders that could provide fun and exciting experiences. Whether it’s for a week or a weekend, planning beforehand can ensure the trip goes as smoothly as possible. Consider these four tips to help you prepare for what the Oklahoma roads have to offer. 

Don’t Forget About Car Maintenance!

Schedule your car inspected before heading out on the open road. A good inspection can help prevent unexpected brake or engine problems, or other vehicle issues that may arise. As an OKFB member you also have access to free Roadside Rescue, a 24/7 roadside assistance service that allows you to travel with confidence. 

Keep Yourself in Check

Driving for hours on end can be exhausting. Take note of how you’re feeling and see if you need to pull over for a break. Additionally, if you have a co-pilot in the car, have a plan in place for who is driving and for how long. It’s important to know when you should stop and rest.

Get Techy with Helpful Apps for the Road

There are a few apps that can help make the road trip go smoother. Apps can help with a number of things, like navigation from like Google Maps and Waze.  Notably, both apps feature user-reported road hazards, speed traps and more, along with turn-by-turn navigation. Additionally, Tollsmart is an app that allows you to preview the price of upcoming tolls that you may pass during the road trip. All these are available on Android and iOS devices. 

Prep Your Home

If a road trip is planned for an extended amount of time, make sure there is someone available to house sit. Leaving a home unattended for a long time can make your home a target for theft. Having a family member or neighbor check in on your home and get your mail is beneficial. This way you can leave your home with peace of mind while on your trip. See other home preparation tips here. 

A road trip can be a great activity to enjoy this spring or summer. To ensure you’re covered, contact your local OKFB agent and see if your Auto Insurance or Recreation Insurance covers your specific vehicle to have a safe, fun and confident trip. 

Why Do I Need Recreation Insurance?

With the weather warming up and summer right around the corner, outdoor activities are a must. For example, taking the boat out for a spin on the weekend or hopping on an ATV. Along with having fun and enjoying the nice weather, it’s important to ensure your recreational vehicles are protected with the right insurance coverage. Check out why a boat, motorhome, motorcycle, and off-road vehicles may need Recreation Insurance instead of Auto or Home Insurance.

1. Liability

Liability coverage under Auto or Home Insurance may not cover accidents that may occur on a boat, motorhome, motorcycle or off-road vehicle. For this reason, liability coverage on these vehicles could be critical in the event of a liability claim or lawsuit. Having recreation insurance coverage can help provide peace of mind while you’re out enjoying what Oklahoma has to offer. 

ATV in the desert

2. Medical Payments

Just like Auto Insurance, Recreation Insurance offers medical payment coverage. Having medical payment coverage signifies that a certain expense related to an injury that occurred on your recreational vehicle would be covered. As a result, you can enjoy spring and summer activities knowing you and your passengers are covered in the case of the unexpected.

boat on a lake with people on it

3. Damage

Accidents can happen at any time. With this in mind, having collision or physical damage coverage on a recreational vehicle can ensure it is covered in the event of damage regardless of fault. We will focus on securing your recreational vehicles, and you can focus on having fun.

motorhome back doors open showing bed

Insuring recreational vehicles with Recreation Insurance can provide the protection you need. In fact, you can rest easy and live in the moment this spring and summer. There are a variety of coverage options under our Recreation Insurance. If you have any questions or would like to discuss coverage options, consult your local OKFB Insurance Agent today.

Safety tips for Recreational Vehicles

Some of life’s greatest joys happen while sitting around a campfire, making a wake on the lake or cruising down a backroad. Whether you own a boat, motorcycle, off-road vehicle or motorhome, recreation insurance can help protect you and your vehicle from the unexpected. In addition to this insurance safety measure, you need to practice extra caution when operating any of these vehicles. Here are some of the top things to keep in mind for each recreational vehicle: 

Boat safety

Time spent on the water can leave you with lasting memories. Relax without worry, knowing you have taken these steps to ensure a safe boat ride or activity. 

  • Equipment: Everyone on board must have a life jacket of appropriate size available to them. Other equipment, including oars, a bailing bucket, a whistle, visual distress signals, navigation lights, a fire extinguisher and an anchor are also required by the U.S. Coast Guard to have on board while you boat. 
  • Operating tips: Make sure the person steering the boat is aware of the rules for safe boating. A few of the major rules to follow include: Check the weather beforehand, don’t exceed the boat weight or passenger limit, don’t drink and steer the boat, follow wake zone speed limits and always be aware of nearby swimmers. 

Motorcycle safety

Whether you’re taking your motorcycle for a long road trip or a short joy ride, it’s important to take steps to ensure a safe journey.  

  • Equipment: Always wear a helmet and limit the number of passengers to the number allowed on your specific bike. You should also consider wearing gear that protects you from debris, potential accidents and the weather. Leather jackets, sturdy boots and protective eyewear are all great items to help shield you from possible dangers. 
  • Operating tips: When driving a motorcycle, it’s always recommended to drive defensively. This means never assuming other drivers on the road can see you, since motorcycles are much less visible vehicles. To make yourself a little more visible, avoid driving in blind spots or driving too closely to other vehicles. Also, as with any other vehicle, check for weather that could cause hazardous driving conditions.

Off-Road Vehicle safety

Your weekend getaway may include straying off the main path and getting some mud on the tires. For your next off-road adventure, follow these safety tips: 

  • Equipment: Just like motorcycles, helmets are always a must on an off-road vehicle. Driving an open vehicle through rough terrain at accelerated speeds means there’s a great risk for head injury. Wearing gear like goggles, long pants and boots is also recommended to help protect you from flying debris or tall grass, limbs or rocks that could injure you. 
  • Operating tips: Never drive your off-road vehicle on highways, streets or paved roads. Regularly check your vehicle’s functions like steering, brakes and tires. Also, make sure you’re operating an off-road vehicle that’s right for your age and never allow passengers on a single-rider vehicle. 

About Recreation Insurance

Following these safety tips can help reduce your chances of an accident, but a small chance will always remain. Whether you have a boat, motorhome, motorcycle or off-road vehicle, recreation insurance can help cover your vehicle and passengers if something unexpected does happen. To learn more about the features offered in our recreational policies or to get a quote, contact an OKFB agent near you.