Now this:
Don't get spooked if you fall prey to the local Halloween prankster.
Comprehensive insurance covers many auto pranks (aka vandalism).
Your car was egged. If you catch the damage early and act quickly, a good old fashioned washing might do the trick. But if it has damaged the paint, your comprehensive coverage will most likely cover painting the damaged area only.
A broken window. This to would be covered under comprehensive auto coverage.
Slashed tire(s). Tire damage is also covered under comprehensive insurance, but, your insurer will take into account the age and mileage on the tires.
Your car gets toilet papered or wrapped in plastic wrap. It may seem harmless, until you discover scratches after you have "unwrapped" your car. This to would be considered vandalism and covered under comprehensive insurance.
Be sure to file a police report if you plan on making a claim and, as always, policies and coverage vary. Contact your agent if you have any questions.
Ok, is this 1975? When was the last time you heard of someone getting their car egged? I think true vandalism has stepped up its game since then. The only people even getting their house TP'd anymore are the popular kids (football players and cheerleaders) before the big game.
And don't you love all the conditions to their coverage? As much as I pay in premiums, I'd also think they could afford a writer or proofreader who knows the difference between 'to' and 'too'!
I'm waiting on my email for Thanksgiving about what to do if someone eats or drinks too much and falls down on my property.
A few years ago I was driving northbound, and a driver in a car driving southbound threw an egg at my windshield. It sounded like a bomb. Plus I couldn't see for crap. Luckily I was close to a car wash, so I went there and washed my car. It has never happened before and has never happened since.
ReplyDeleteThat is awful and truly dangerous.
Delete"Ok, is this 1975? When was the last time you heard of someone getting their car egged? I think true vandalism has stepped up its game since then."
ReplyDeleteYou said it! And I clearly remember egging cars when I was a kid (yeah, I know, I was bad). That was back in the late 60's-early70's. And we also used to soap peoples' car windows and toilet paper houses. But those things were nothing compared to the vandalism of today.
" I'd also think they could afford a writer or proofreader who knows the difference between 'to' and 'too'!"
Ha! Yes, you're right, I just noticed that typo!
X
I only TP'd people's houses. A friend of mine HATED one of the star soccer players at our high school and she let out the air in one of his tires. I remember being impressed that she knew how to do it!
DeleteIt would actually be nice to go back to this type of vandalism as opposed to a lot of the damage we see today.
ReplyDeleteMy daughter when she was a teen decided that she and a group of her friends would go and egg the house of one of the girls they were mad at, the plan worked well until someone stepped on the eggs in her car thus ending the house being egged and beginning the cleanup of egg on her carpet.
Sounds like egg on her face! I'm sure it's a story they like to re-tell when they get together. Actually this gives me an idea for a future blog post!
DeleteWhat I thought while reading this was that I'm often paid to write things like this!!! Some freelance writer or contractor was told to come up with car safety tips for Halloween and if he/she was like me, the first words out of his/her mouth were, "WTF? Where am I going to get tips for THAT?"
ReplyDeleteHahaha.......I figured it was their marketing department. It doesn't seem like quality writing, but I'm a nazi when it comes to proofreading letters and books.
DeleteI lose out on jobs ALL THE TIME to people who will write for next to nothing. You click on their portfolio and it's filled with articles that are barely readable. But they're cheap. Most of the clients I have choose me because they know they get quality...it's people who care about their reputations and want content out there that represents them well.
DeleteI got egged a few years ago in the middle of the day driving home when some kids on summer break thought it would be fun to throw eggs at cars driving buy. I sprayed it off quickly so no damage; tried to get the kids for punishment (at least a talking to their parents) but they were long gone after they saw me coming towards them.
ReplyDeleteI'm sure Geico wouldn't cover any of these, police report or not (sorry I have a grudge against Geico from a claim back in 2011 that they said was not part of our coverage for car insurance and State Farm said it was not part of our coverage for renter's insurance; I backed the car into the garage wall, causing damage. They wouldn't pay for the damage to the house but paid for the damage to the car. State Farm said we weren't covered, could never give a good reason).
betty
I so rarely see kids outside anymore that this surprises me! Guess they need to go I inside and get back to their video games and social media!
DeleteI have a few complaints about insurance, but too lengthy for this comment box......
Egging still happens, must be a regional thing. Around here most vandalism involves paint or fire, not much you can do to prepare for or mitigate those .... luckily that stays far from our little slice of the area, mostly happens in nearby Binghamton ...
ReplyDeleteMaybe egging takes place in areas where eggs are cheap....not here! The vandalism here is breaking into people's car in their driveways to steal technology. Pranks are more along the lines of turfing someone's yard, but that's rare.
Deletebreak ins I get. What is this turfing of which you speak? Sounds expensive
DeleteI cringed over "to," too! Two times. Aside from that, talk about trying to cash in on an otherwise fun day. Watch out for eggs and toilet paper, folks!!!
ReplyDeleteHope you have a happy and prank-free Halloween!
Thanks, Mark! We won't be getting many high schoolers for trick-or-treat this year due to Friday night football, so less chance of pranks!
Deleteare the pranks 'good natured' or is Halloween a bit dicey???
ReplyDelete(it's mainly only primary school kids that do it here, and it's not that common...last year some kids from up our street came to our house, before that I can't really remember anyone coming)
There really aren't a lot of actual Halloween pranks happening. I think the comments have been about pranks happening at any time of the year.
DeleteWhen I was a kid, Halloween was for children. It's turned into more of an adult holiday now, with outlandish decorating, horror movies and sexual costumes.
Talk about whipped-up scaremongering. Who ever experiences any of those things? Letters like that just scare nervous old ladies to death! Someone threw an egg at the front of our house a couple of years back. It's never happened before and has never happened since. And Halloween just means groups of self-conscious kids ringing the doorbell and asking for goodies....
ReplyDeleteSelf-conscious kids? Are they worried you won't be impressed by their costumes???
DeleteProbably. And because they're knocking on a stranger's door. And because a parent is usually hovering in the background to make sure they're safe.
DeleteThat's odd. We never hear from our insurance company except when the premium is due or we need to sign something. Yours does seem a little on the paranoid side. I think people are much more interested in candy and costumes tonight than in egging someone's car.
ReplyDeleteI agree....I think the worst that we will see is a few empty candy wrappers on the sidewalk!
DeleteLol this is a case of email marketers trying to provide timely and relevant content but really having no idea what goes on in this day and age!
ReplyDeleteBijouxOctober 31, 2014 at 3:40 PM
DeleteIf they really want to be helpful, give us hints on how to lower our premiums!
I wasn't home last night and wondered if there was any chance that local kids would do anything. Nope. In fact, it's never happened in any neighborhood I've lived with, and I haven't been home on Halloween night in 18 years.
ReplyDeleteThe only thing I've ever seen is pumpkins smashed on the street.....and who is to say it's not their own pumpkins?
DeleteI even left two little pumpkins on my front steps and no one bothered them.
DeleteHa! This gave me a good chuckle. Especially your last line. If only these were our biggest worries in life, right?
ReplyDeleteThanks for the laugh!
Glad you enjoyed the nonsense!
DeleteSince the deductibles were high we didn't put a claim in for the hit and run around Christmas Eve or the bullet hole on New Year's Eve last year. Yeah, the game is definitely been stepped up. I can handle washing some egg off, but luckily, Halloween was just fun, no trouble!
ReplyDeleteYou looked like you had a blast this Halloween!
Delete