Insurance saves consumers from not-so-sweet Halloween tricks

Pigs may not fly on Halloween but pumpkins certainly do.

Ever heard of punkin chunkin’? Let’s just say it involves pumpkins flying through the air! There’s even an association dedicated to the cause, The World Championship Punkin Chunkin Association, WCPCA.

So, if a flying pumpkin hits your car on Halloween, are you covered? If you have comprehensive insurance coverage, you sure are. With comprehensive coverage even aerial pumpkin attacks won’t frighten you.

Does a black cat equal bad luck?

Some say if a black cat crosses your path, bad luck is sure to follow.

We say this bit of superstition is a myth. In fact, owning a cat in any hue has been associated with a host of health benefits. But, if you swerve to avoid a black cat this Halloween, and end up hitting a tree or curb instead, lucky for you collision insurance has you covered.

Teenagers and toilet paper…

TPing is a Halloween prank as timeless as any… and perhaps most annoying of all.

If your home gets wrapped in toilet paper, you’ve got a big cleanup on your hands. If your car gets TPed, you could experience damages, especially if pranksters scratch your paint while executing this prank.

There are two bits of good news here: One, your insurance company will probably consider this an act of vandalism in which case your comprehensive coverage will cover any damages.

Two: it could be worse. Just ask Howie Mandel who was a victim of perhaps the most epic toilet paper prank ever.

Egging, the most damaging “prank” of all

Some Halloween pranks are funny… egging is not one of them. Egging a car, one of the most notorious Halloween pranks, is also perhaps the most damaging.

That’s because the egg shell can cause scratches in your car’s clear paint coat. Worst of all, egg yolk is acidic and can stain or damage your car’s base coat.

If your car has been egged, wash it as quickly as possible. The longer egg yolk sits on your car, the more damage it will likely do. Did you know that egg whites are used to make adhesive? That’s just one of the reasons dried eggs can be tough to remove.

Here’s a tip that can help: Try using white vinegar to remove dried egg. Soak a chamois towel in a mixture of 50% water and 50% white vinegar and then gently clean affected areas.

The good news is… while we can’t stop your car from being egged, comprehensive coverage will cover the damage to your car, so you won’t have egg on your face, too.

This article is intended for informational purposes only. It does not replace or modify the information contained in your insurance policy.