Avoid a Fright This Halloween: Make Sure Your Car Is Properly Insured 

Halloween brings costumes, candy and a lot of activity on the roads. Accidents during this holiday can happen in circumstances that drivers may not encounter on an ordinary day, and your auto insurance coverage is what stands between an incident and serious out-of-pocket costs.

Understanding Your Risks During the Holiday

Consider the following road scenarios that you may encounter during Halloween:

• You accidentally hit someone crossing the street.
• A driver backing out of a crowded driveway clips your vehicle.
• A vandal keys your car or smashes your window.
• An overhead decoration falls on your car, causing damage to the hood.
• A drunk driver causes a crash that damages your vehicle or injures you.

Each of these can play out differently, depending on the coverage you carry. Liability coverage can cover property damage and bodily injuries you cause to others, but it does not pay for your own losses caused by covered risks.

How Coverage Can Help

Collision coverage can help you pay for the cost of repairing your vehicle after an impact, whether with another car, a curb or a fixed object. Comprehensive coverage can handle noncollision events, including theft, vandalism and falling objects.

In Alabama, state-required minimums include only liability coverage, meaning your own vehicle is left financially unprotected for both collision repairs and noncollision losses unless you add comprehensive and collision coverage to your policy.

Despite state laws, some drivers may drive while uninsured. If one of these motorists causes an accident that damages your car or injures you or your passengers, uninsured and underinsured motorist coverage can be key for recovering your losses and handling resulting expenses.

How Our Team Can Help

Our team can review your current policy, identify what you have and explain options for strengthening your coverage based on how and where you drive.

Contact Global Insurance and Services to explore your auto insurance options or request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.