5 notorious Halloween pranks covered by car insurance

Halloween is filled with tricks and treats, but if you found your car involved in a Halloween prank would you be covered?

Don’t get spooked this Halloween and check out our top five Halloween tricks that auto insurance covers.

Text version:

5 Notorious Halloween Pranks
…fear not, you’re covered by car insurance.

1. Airborne Pumpkins

Comprehensive coverage protects you from airborne jack-o-lanterns (pumpkins) that cause damage to your vehicle. Pumpkins flying through the air — known to some as pumpkin chunkin’ — has grown in popularity over the years.  If you find yourself a victim of an aerial pumpkin attack this Halloween you can feel safe knowing that comprehensive insurance covers these damages.

2. Black Cats

Don’t get spooked! Collision insurance covers damages to your car that result from hitting a tree after swerving to miss a black cat. Sadly, if a black cat runs out in front of your car and is hit causing damage to your vehicle, those damages would be covered under your comprehensive insurance.

3. Ghostly Decoration Damages

Damages caused by decorations that crash into your car are covered by comprehensive insurance. Damages to your car caused by crashing into stationary decorations are covered by your collision insurance. If your neighbors’ scarecrow takes flight and crashes into your car, or if while driving home from a fun night of trick-or-treating a ghostly inflatable decoration rolls out into the street and crashes into your car any dent or ding would be covered by your comprehensive insurance.

4. Toilet Papered Car

If the pranksters scratch your car while wrapping it in TP—comprehensive will cover the damage. This Halloween prank, for the most part, is harmless. However, if you find that the prankster scratched your car while wrapping it in two-ply, your insurance company will probably consider this an act of vandalism and your comprehensive coverage would cover this damage.

5. You Got Egged

Arguably the most notorious, comprehensive coverage will protect your vehicle from any Halloween eggings. Eggs can wreak havoc on your cars paint job. If you are the victim of this Halloween prank washing off the egg residue may spare your car’s paint job.

“Fear Facts”

  • Over $1million cost of Halloween vandalism.
  • Cars are, on average, twice as likely to be vandalized on Halloween.
  • Average 1,253 claims made on Halloween.
  • $1,528 average cost per claim on Halloween.
  • Elephant wishes you a safe and happy Halloween.

Sources

Elephant Insurance Claims Department
http://www.iihs.org/iihs/news/desktopnews/vehicle-vandalism-peaks-on-halloween-with-nearly-twice-as-many-claims-as-usual

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