Common Insurance Claims On Halloween

Believe it or not, there are dangers that come with celebrating Halloween. Not the ghosts and goblins, though. These dangers involve reality–and money, to be specific. Insurance companies keep track of what kind of claims they have, how many there are, and at what time they occur. The month of October happens to have many claims involving accidents on Halloween. If we can use our awareness to be proactive on preventing these claims, things can go much more smoothly this on holiday. Here are some common insurance claims you should be aware of.

  1. Egging. Why is it that children find such excitement in destruction? Possibly, they don’t realize the damage they are causing. Last year in Las Vegas, an egging caused thousands of dollars of damage to a BMW; from the cracked windows to the chipped paint. Egging is a crime. Should the suspect be caught, depending on your state, you could be faced with fines and jail time. This Halloween, keep your eggs away from your children at all costs.
  1. Pumpkin-carving lacerations. If you have friends or family over to carve pumpkins at your home, be very careful. Do the cutting for the young ones, and always keep a watchful eye on what’s going on. There are many visits to the ER each holiday due to lacerations while carving a pumpkin. Stitches and blood are meant only to be part of a costume–not real life.
  1. Halloween decor ignites a fire. Placing flammable decorations too close to a candle can cause a fire. The results of this can be horrifying; with the firefighters coming, damage to your home, followed by filing an insurance claim. This can also increase your insurance rates. Not to scare you too much. Go over your decorations once more, eliminating all fire hazards.
  1. A Trick-or-Treater gets hurt on your property. Walk the same path to your front door that your trick-or-treaters will be walking. Make sure the path is clear–remove all obstacles. If a certain part of the path could be hard to see in the dark, try to find a way to illuminate it. Move any cords to your Halloween decorations off the pathway. You don’t want any slip-and-falls resulting in a trip to the emergency room.
  1. Trick-or-Treaters will be on the road. It may get dark before all the children are back in for the night. If you are driving in a neighborhood, drive as slow as possible. Expect that a child could walk out in the road at any time.

By: KayLynn P.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Why Life Insurance Should Be a Fundamental Part of Your Financial Plan

How Are You Protecting Your Money Machine?

What is Decreasing Term Life Insurance?

Is Decreasing term Insurance Right For You? Would You Know?

Three Ways Life Insurance May Help Pay For College

How Life Insurance Can Play a Role in the Education of Your Child

Life Insurance as a Gift

Who Do You Know that Can Benefit?

What it Takes to Qualify as a Beneficiary

Do you have the right person as the beneficiary on your life insurance policy? Here’s who you should consider and when you may want to consider a change.

Unique Benefits of Life Insurance You May Not Be Aware Of

There’s More to Life Insurance Than You May Realize

What You May Need to Know About Filing a Life Insurance Claim

Filing a life insurance claim can be a relatively smooth, hassle-free process when you know the steps to take. Learn more in our latest blog.

When Should I get Life Insurance on My Child?

Reasons to Get Life Insurance on Your Child ASAP.

Beyond Life Insurance: Other Death Benefits for Which You May Qualify

There May Be Multiple Resources for Benefits Upon the Death of a Loved One

Situations When Term Life Insurance May Be the Best Solution

Term Insurance is a Flexible and Affordable Choice

Leave a Comment