Halloween is just around the corner and with various townships having trick-or-treating over the next few days, it is important to take a look at safety. Beyond the haunts and scares of Halloween, perhaps the spookiest part of the season is the increased risk of insurance claims and lawsuits. Learn the most common Halloween claims and how to avoid them and a scary call to your insurer!
According to the National Retail Federation, approximately 179 million Americans plan to celebrate Halloween this year. Whether hosting a party or welcoming trick-or-treaters, the heightened popularity of Halloween brings an increased risk of property damage and injury.
Common Halloween Claims:
Scary Driving Statistics
Halloween adds a number of spooky hazards to the open road. The 31st has the highest average number of claims reported for any day of the year with an average 1,253 claims. Up 81 percent compared to other days. An analysis by the Highway Loss Data Institute found that personal cars are twice as likely to be vandalized on October 31 compared to an average day. The high volume of vandalism claims in recent years has cost an estimated $2.8 million. Auto owners are encouraged to keep cars parked in the garage and out of harm’s way in order to avoid being the victim of vandals.
Beyond the risk of vandalism, car accidents are common Halloween claims. Unfortunately, according to the National Highway Traffic Safety Administration, nearly 50 percent of all crash fatalities on Halloween involved a drunk driver. As the streets fill with eager trick-or-treaters, the risk of pedestrian accidents are much greater. In fact, more than 25 percent of Halloween car accidents involve pedestrians. Drivers are encouraged to be extra cautious and aware of their surroundings and increased foot traffic on the roads. If you and your children will be out, remind them to be cautious of roadways and to look both ways. Consider wearing something reflective or bright to make them more visible to drivers.
Decorations are an important part of setting the Halloween mood, but decorations can also become a hazard. Carved pumpkins are a popular decoration, but using candles to light up your creepy creations is a major fire hazard. The National Fire Protection Association reports that Halloween decorations result in more than 1,000 home fires each year. In order to minimize risk and make this Halloween claims free, use battery operated candles instead. Also ensure there are no wires or decorations that visitors could trip over.
No matter what tricks Halloween throws your way, you can rest easy knowing you’ll be covered with CSC Insurance. Let us tailor a policy to fit your needs today! Just call us at 724-929-2300.