Arkansas Insurance Commissioner Allen Kerr is urging Arkansans to make sure their insurance is up to date when making Memorial Day plans.

“The Natural State’s lakes and state parks are second-to-none and many Arkansans and out-of-state visitors will be visiting for the Memorial Day Weekend,” Kerr said in a news release May 14. “I strongly encourage those making plans to ensure their insurance policies on their vehicles and watercraft are up to date. Checking today can give you added piece of mind and make the holiday that much more enjoyable.”

Boat Insurance

For those planning to take a boat out on an Arkansas lake? Kerr said that boaters should have:

Proof of liability insurance for all craft powered by engines of more than 50hp.

A policy issued by an insurance company licensed to do business in Arkansas.

A policy that provides at least $50,000 of liability coverage per occurrence.

Auto Insurance

Before going on a vacation, motorists should make sure they have a copy of their insurance card and the insurance agent or company’s number in the vehicle.

“Liability is the part of your auto insurance policy that pays for any injury or damage if you cause an accident. If your liability insurance is too low, it is possible that you could be sued for any damages above your liability limits,” according to the release.

Also take a look at the insurance deductibles for comprehensive and collision coverage. This is the amount the motorist will pay if their car is damaged or totaled without fault of another driver. Raising or lowering deductible amounts can affect the premium.

Health Insurance

Residents should check their medical provider lists to verify that visits to the doctor and any specialists are still covered by their policy, because in‐network or preferred provider lists could change from time to time.

Read through the documents and make note of copays for in‐network and out‐of‐network providers.

“Check with your insurance carrier to identify urgent care centers and hospitals that accept your insurance coverage near your destination,” according to the release. “Be sure to ask your carrier about applicable co‐pays and deductibles if care is needed.”