Pa. Insurance Department Offers Tips to Avoid Halloween Hazards

Oct 16, 2012, 11:38 ET from Pennsylvania Department of Insurance

HARRISBURG, Pa., Oct. 16, 2012 /PRNewswire-USNewswire/ -- Things that go bump in the night could get bumpier on Halloween so the Pennsylvania Insurance Department is reminding homeowners to use common sense on trick-or-treat night.

With so many unpredictable elements at play, the chances of an accident or mishap are increased on Halloween. Kids in costumes, candles in pumpkins, neighborhood foot traffic, and general Halloween high jinks, all add to the risks.

For home and automobile owners, taking precautionary measures can reduce the chances of injury or having to file an insurance claim. Be sure your house is well-lit and in good repair. You don't want any ghosts or ghouls to trip and fall.

Since children will be trick-or-treating after dark, motorists should drive slowly in residential areas and watch out for those who cross against the light, dart out from between parked cars and walk in the street.

While your homeowner's insurance won't cover a prankster papering your trees, if they damage your property, you would likely be covered. Also, if you have comprehensive coverage on your auto policy, your car may be covered if it's damaged by splattered eggs.

Still, an ounce of prevention, like keeping outdoor lights on all night and parking your car in the garage, can make all the difference.

For more Halloween tips, visit and click on the "jack-o-lantern" icon.

Consumers with insurance questions should call the department's toll-free number at 877-881-6388.

Media contact: Rosanne Placey or Melissa Fox, 717-787-3289

SOURCE Pennsylvania Department of Insurance