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Trick or Treat Risks! Your "What if..." Questions & Answers!
1. +
Insuring
Happy Holidays
HALLOWEEN: Trick or Treat Risks!
Your “What if…..” Questions & Answers
Let us protect you with the right coverage for less at www.gillmanins.com
2. +
What if... My Home was vandalized
by Trick-Or-Treaters?
Standard Georgia homeowners
insurance and Georgia renter
insurance policies will provide
coverage for vandalism, confirmed
by the Insurance Institute. A
deductible will be present before
your policy starts to pay. However, if
you suffer costly damage to your
home or possessions, you‟ll be
protected from a financial
standpoint.
Let us protect you with the right coverage for less at www.gillmanins.com
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What if... My Car was vandalized by
Trick-Or-Treaters?
Coverage for vandalism to your vehicle as a result of yesterday‟s
trick-or-treating holiday would be under the optional
comprehensive portion of yourAtlanta auto insurance policy.
Let us protect you with the right coverage for less at www.gillmanins.com
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What if… My light-up indoor
Halloween decorations went up in
flames?
If you electrically-challenged
Halloween décor or seasonal
candles light-up in flames,
associated damage to your
home/apartment should be covered
by your standardAtlanta
homeowners insurance andAtlanta
renters insurance policies. If the fire
is drastic enough that you are
unable to live in your home, you‟ll
also be covered for additional living
expenses that may include staying
in a hotel while your home is being
restored.
Let us protect you with the right coverage for less at www.gillmanins.com
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What if… a Trick-or-Treater was
injured on my property?
If a Halloween guest is accidentally
injured in your house or apartment,
you should be covered under the
liability of yourGA homeowners
insurance or GA renters insurance
policy if sued by the guest. Standard
policies also include „no fault
medical coverage.‟ This would allow
the injured visitor to file their medical
claim directly with your insurance
company and avoid a lawsuit,
Let us protect you with the right coverage for less at www.gillmanins.com
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What if …. I crashed my car into a
tree to avoid hitting a Trick-or-
Treater?
When kids are running from house to house, they
have only one thing on their mind: Candy!
Often times, their excitement for the Holiday
overcomes their desire to make optimal
decisions when it comes to road safety. Thus,
drivers assume added risk when entering a
neighborhood on Halloween night. If a trick-or-
treater darts in front of your vehicle and you
crash into something else to avoid hitting the
child (for example, you crash into a tree) you
should still be covered. Accidents that do not
involve another driver or pedestrian are
covered under the optional collision portion of
an Atlanta auto insurance policy. If another car
or person is involved in the accident, the
liability portion of your auto policy would kick in.
Let us protect you with the right coverage for less at www.gillmanins.com
7. +
Do you have more
Insurance Questions?
Just Tweet Us!
Twitter.com/@gillmanins
REAL-TIME answers during our business hours.
You can also visit our website for a FREE indication:
www.gillmanins.com
We‟re YOUR problem solvers and welcome your questions!
Source consulted: http://winnetka.suntimes.com/news/8496321-418/story.html
Notes de l'éditeur
What if... My Home was vandalized by Trick-Or-Treaters? Standard homeowners and renter insurance policies will provide coverage for vandalism, confirmed by the Insurance Institute. A deductible will be present before your policy starts to pay. However, if you suffer costly damage to your home or possessions, you’ll be protected from a financial standpoint. What if… My car was vandalized by Trick-Or-Treaters?Coverage for vandalism to your vehicle as a result of yesterday’s trick-or-treating holiday would be under the optional comprehensive portion of your auto insurance policy. What if… My light-up indoor Halloween decorations turned into flames?If you electrically-challenged Halloween décor or seasonal candles light-up in flames, associated damage to your home/apartment should be covered by your standard homeowners and renters insurance policies. If the fire is drastic enough that you are unable to live in your home, you’ll also be covered for additional living expenses that may include staying in a hotel while your home is being restored. What if… a Trick-or-Treater was injured on my property?If a Halloween guest is accidentally injured in your house or apartment, you should be covered under the liability of your homeowners or renters insurance policy if sued by the guest. Standard policies also include ‘no fault medical coverage.’ This would allow the injured visitor to file their medical claim directly with your insurance company and avoid a lawsuit, What if …. I crashed my car into a tree to avoid hitting a trick-or-treater?When kids are running from house to house, they have only one thing on their mind: Candy! Often times, their excitement for the Holiday overcomes their desire to make optimal decisions when it comes to road safety. Thus, drivers assume added risk when entering a neighborhood on Halloween night. If a trick-or-treater darts in front of your vehicle and you crash into something else to avoid hitting the child (for example, you crash into a tree) you should still be covered. Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.
What if... My Home was vandalized by Trick-Or-Treaters? Standard homeowners and renter insurance policies will provide coverage for vandalism, confirmed by the Insurance Institute. A deductible will be present before your policy starts to pay. However, if you suffer costly damage to your home or possessions, you’ll be protected from a financial standpoint. What if… My car was vandalized by Trick-Or-Treaters?Coverage for vandalism to your vehicle as a result of yesterday’s trick-or-treating holiday would be under the optional comprehensive portion of your auto insurance policy. What if… My light-up indoor Halloween decorations turned into flames?If you electrically-challenged Halloween décor or seasonal candles light-up in flames, associated damage to your home/apartment should be covered by your standard homeowners and renters insurance policies. If the fire is drastic enough that you are unable to live in your home, you’ll also be covered for additional living expenses that may include staying in a hotel while your home is being restored. What if… a Trick-or-Treater was injured on my property?If a Halloween guest is accidentally injured in your house or apartment, you should be covered under the liability of your homeowners or renters insurance policy if sued by the guest. Standard policies also include ‘no fault medical coverage.’ This would allow the injured visitor to file their medical claim directly with your insurance company and avoid a lawsuit, What if …. I crashed my car into a tree to avoid hitting a trick-or-treater?When kids are running from house to house, they have only one thing on their mind: Candy! Often times, their excitement for the Holiday overcomes their desire to make optimal decisions when it comes to road safety. Thus, drivers assume added risk when entering a neighborhood on Halloween night. If a trick-or-treater darts in front of your vehicle and you crash into something else to avoid hitting the child (for example, you crash into a tree) you should still be covered. Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.
What if... My Home was vandalized by Trick-Or-Treaters? Standard homeowners and renter insurance policies will provide coverage for vandalism, confirmed by the Insurance Institute. A deductible will be present before your policy starts to pay. However, if you suffer costly damage to your home or possessions, you’ll be protected from a financial standpoint. What if… My car was vandalized by Trick-Or-Treaters?Coverage for vandalism to your vehicle as a result of yesterday’s trick-or-treating holiday would be under the optional comprehensive portion of your auto insurance policy. What if… My light-up indoor Halloween decorations turned into flames?If you electrically-challenged Halloween décor or seasonal candles light-up in flames, associated damage to your home/apartment should be covered by your standard homeowners and renters insurance policies. If the fire is drastic enough that you are unable to live in your home, you’ll also be covered for additional living expenses that may include staying in a hotel while your home is being restored. What if… a Trick-or-Treater was injured on my property?If a Halloween guest is accidentally injured in your house or apartment, you should be covered under the liability of your homeowners or renters insurance policy if sued by the guest. Standard policies also include ‘no fault medical coverage.’ This would allow the injured visitor to file their medical claim directly with your insurance company and avoid a lawsuit, What if …. I crashed my car into a tree to avoid hitting a trick-or-treater?When kids are running from house to house, they have only one thing on their mind: Candy! Often times, their excitement for the Holiday overcomes their desire to make optimal decisions when it comes to road safety. Thus, drivers assume added risk when entering a neighborhood on Halloween night. If a trick-or-treater darts in front of your vehicle and you crash into something else to avoid hitting the child (for example, you crash into a tree) you should still be covered. Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.
What if... My Home was vandalized by Trick-Or-Treaters? Standard homeowners and renter insurance policies will provide coverage for vandalism, confirmed by the Insurance Institute. A deductible will be present before your policy starts to pay. However, if you suffer costly damage to your home or possessions, you’ll be protected from a financial standpoint. What if… My car was vandalized by Trick-Or-Treaters?Coverage for vandalism to your vehicle as a result of yesterday’s trick-or-treating holiday would be under the optional comprehensive portion of your auto insurance policy. What if… My light-up indoor Halloween decorations turned into flames?If you electrically-challenged Halloween décor or seasonal candles light-up in flames, associated damage to your home/apartment should be covered by your standard homeowners and renters insurance policies. If the fire is drastic enough that you are unable to live in your home, you’ll also be covered for additional living expenses that may include staying in a hotel while your home is being restored. What if… a Trick-or-Treater was injured on my property?If a Halloween guest is accidentally injured in your house or apartment, you should be covered under the liability of your homeowners or renters insurance policy if sued by the guest. Standard policies also include ‘no fault medical coverage.’ This would allow the injured visitor to file their medical claim directly with your insurance company and avoid a lawsuit, What if …. I crashed my car into a tree to avoid hitting a trick-or-treater?When kids are running from house to house, they have only one thing on their mind: Candy! Often times, their excitement for the Holiday overcomes their desire to make optimal decisions when it comes to road safety. Thus, drivers assume added risk when entering a neighborhood on Halloween night. If a trick-or-treater darts in front of your vehicle and you crash into something else to avoid hitting the child (for example, you crash into a tree) you should still be covered. Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.
What if... My Home was vandalized by Trick-Or-Treaters? Standard homeowners and renter insurance policies will provide coverage for vandalism, confirmed by the Insurance Institute. A deductible will be present before your policy starts to pay. However, if you suffer costly damage to your home or possessions, you’ll be protected from a financial standpoint. What if… My car was vandalized by Trick-Or-Treaters?Coverage for vandalism to your vehicle as a result of yesterday’s trick-or-treating holiday would be under the optional comprehensive portion of your auto insurance policy. What if… My light-up indoor Halloween decorations turned into flames?If you electrically-challenged Halloween décor or seasonal candles light-up in flames, associated damage to your home/apartment should be covered by your standard homeowners and renters insurance policies. If the fire is drastic enough that you are unable to live in your home, you’ll also be covered for additional living expenses that may include staying in a hotel while your home is being restored. What if… a Trick-or-Treater was injured on my property?If a Halloween guest is accidentally injured in your house or apartment, you should be covered under the liability of your homeowners or renters insurance policy if sued by the guest. Standard policies also include ‘no fault medical coverage.’ This would allow the injured visitor to file their medical claim directly with your insurance company and avoid a lawsuit, What if …. I crashed my car into a tree to avoid hitting a trick-or-treater?When kids are running from house to house, they have only one thing on their mind: Candy! Often times, their excitement for the Holiday overcomes their desire to make optimal decisions when it comes to road safety. Thus, drivers assume added risk when entering a neighborhood on Halloween night. If a trick-or-treater darts in front of your vehicle and you crash into something else to avoid hitting the child (for example, you crash into a tree) you should still be covered. Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.
What if... My Home was vandalized by Trick-Or-Treaters? Standard homeowners and renter insurance policies will provide coverage for vandalism, confirmed by the Insurance Institute. A deductible will be present before your policy starts to pay. However, if you suffer costly damage to your home or possessions, you’ll be protected from a financial standpoint. What if… My car was vandalized by Trick-Or-Treaters?Coverage for vandalism to your vehicle as a result of yesterday’s trick-or-treating holiday would be under the optional comprehensive portion of your auto insurance policy. What if… My light-up indoor Halloween decorations turned into flames?If you electrically-challenged Halloween décor or seasonal candles light-up in flames, associated damage to your home/apartment should be covered by your standard homeowners and renters insurance policies. If the fire is drastic enough that you are unable to live in your home, you’ll also be covered for additional living expenses that may include staying in a hotel while your home is being restored. What if… a Trick-or-Treater was injured on my property?If a Halloween guest is accidentally injured in your house or apartment, you should be covered under the liability of your homeowners or renters insurance policy if sued by the guest. Standard policies also include ‘no fault medical coverage.’ This would allow the injured visitor to file their medical claim directly with your insurance company and avoid a lawsuit, What if …. I crashed my car into a tree to avoid hitting a trick-or-treater?When kids are running from house to house, they have only one thing on their mind: Candy! Often times, their excitement for the Holiday overcomes their desire to make optimal decisions when it comes to road safety. Thus, drivers assume added risk when entering a neighborhood on Halloween night. If a trick-or-treater darts in front of your vehicle and you crash into something else to avoid hitting the child (for example, you crash into a tree) you should still be covered. Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.