CONNECT WITH US: Blog shoals chamber of commerce bbb

CALL TODAY: 256-381-0110

Have a Safe and Happy Halloween by Avoiding Insurance Claims

Halloween is a special day of the year that many people young and old get excited about. However, Halloween poses more dangers than scary masks and fake blood, so you need to stay safe and protect what you care about. Here are some useful tips for staying safe, having fun, and avoiding insurance claims!

Safety When Driving on Halloween Night

It’s a given that you need to be more vigilant and pay attention to your surroundings when driving at night. Threats ahead are more difficult to see, and incidents like wildlife running into the road can happen suddenly. But on Halloween, there is more than just wild animals walking along the roads. First, depending on where you are driving there may be trick-or-treaters out for a stroll. There could also be teenagers getting up to no good, playing pranks or hanging out in wooded areas. Even if you are driving on an empty road or in a place with no houses around, remain on alert. 

Young adults and adults celebrate Halloween, too, and drunk drivers are another threat to look out for when you are driving on Halloween night. Scan the road for anyone who is driving erratically, and do not be afraid to place a call to a non-emergency phone line. 

You do not want a night that’s supposed to be full of spooky fun to turn into a real life nightmare, where you have to make an unfortunate auto claim. However, in the event of an accident, remember your agent is only a call away. Calling your insurance agent is one of the first things you want to do after an accident occurs. 

Trick-or-Treating Safety

If you’ll be spending Halloween with your children, there are some important safety precautions you can take to ensure you have a fun yet enjoyable holiday. If your children will be trick-or-treating in yours or a friend’s neighborhood, make sure you and/or another adult are present at all times. Gone are the days that kids can just be turned loose to get candy from strangers’ homes. Even if your children are older, it’s still risky to let them walk alone – especially on Halloween when predators may be more likely to be out. 

If you wish to be extra precautious, you can have your children’s candy scanned at your local police department – to make sure there are no harmful objects or substances inside the pieces. Even if you don’t go this far, still glance over your child’s bag of candy before letting them begin eating. If you see any candy wrappers that look damaged or otherwise off in any way, it’s safest to simply throw the candy away. 

If you’ll be passing out candy from your home, make sure all walkways and steps are clean and well-lit. Children may get excited when there’s a bowl of candy ahead, and it’s possible they could trip and fall and get hurt if the path to your door is dark or has debris. Avoid a potential insurance claim by ensuring your home is safe for little monsters and witches to visit. 

Staying in on Halloween

If you are spending Halloween at home and do not have any children around, there are still some safety precautions you can take. If you have pets, keep them inside for their safety. There may be strangers who want to harm them in the name of Halloween, but they could also just get frightened by the commotion and run off. You also need to protect your home and possessions. Make sure your garage is securely shut, or if you leave your vehicle outside, that its doors are locked and any enticing electronics or other personal items are taken inside the house. Double check that your home’s doors are locked, even if you plan to stay in all evening. Thieves and vandals often take advantage of the Halloween commotion to perform their nefarious deeds. If something happens, you have insurance in place to protect you, but you certainly don’t want to have to use it, so take proper precautions on the 31st. 

No matter what you’re doing this Halloween, you can stay safe and avoid having to make a claim. But if you need us, our agency is only a phone call or email away!