Soon, ghosts and ghouls will overtake your neighborhood. While many just want treats, some mischievous Halloween celebrators enjoy pranks. The Halloween Spending Survey, conducted by the National Retail Federation (NRF), found that 158 million people in the U.S. plan on participating in some way. For example, 70 percent of 18- to 24-year-olds surveyed said they plan to wear a costume this year. But costumes, parties, pumpkins and haunted houses won't be enough for some of those folks. If your vehicle is damaged by a mischievous act or a careless accident, will you be covered? Yes, if you have the right car insurance coverage for the event.
Five pranks covered by car insurance
1. Broken car window. Whether a person uses a bat or giant candy stick to break a window on your car, it would be covered under your comprehensive coverage. In Florida, if you make a claim for your windshield, it comes without a deductible being due. Kentucky and South Carolina car insurance companies waive the deductible for all glass replacement claims. In all other states, the deductible will normally be due if you make a glass claim unless you chose a zero deductible for glass coverage. 2. Slashed tires. Tire damage is also covered by comprehensive coverage. If you make a claim, your car insurance provider will take into account how much your tires have depreciated. Thus, you won't end up getting paid for a set of new shoes if you're replacing five-year-old tires with 50,000 miles on them. 3. Egged vehicle. If your car's paint job is damaged by the volatile compounds contained in eggs, then you would claim it under your “other than collision” coverage, also known as comprehensive. If you get to the car in time, you might try to wash the egg and save yourself from a claim. If the damage is done, then don't be surprised if your comprehensive coverage won't cover a full-vehicle paint job if only one area has been damaged. The damaged area should receive new paint, which the painters will try to blend in with the rest of the car's older paint.