Protect yourself from holiday mishaps

There may be such a thing as too much holiday cheer: According to the Consumer Product Safety Commission, holiday decoration-related accidents sent nearly 15,000 people to emergency rooms last year. But with a little planning, you can make sure the most wonderful time of the year really does stay that way.

More great tips for a safe holiday season

  • O’ Christmas tree: You thought you tied it down securely, but a glance in the rearview mirror reveals your Douglas fir atop the hood of a following vehicle. Damage to the other vehicle may be covered by your automobile policy.
  • Up on the rooftop: Festive lighting is one of the most important parts of the holidays. However, traversing wet roofs and icy stepladders can be dangerous. Should a guest slip and fall while helping hang the holiday lights, your insurance policy may cover associated medical bills, and may provide defense against a lawsuit.
  • Santa’s four-wheeled sleigh: While you’re battling it out inside the mall, your car is at the mercy of careless drivers, runaway shopping carts and the elements. Broken taillights, door dings and hail damage may be covered by your auto policy.
  • Ice follies: Winter wonderlands are great for songs, but terrible for sidewalks. If guests or other invitees slip and fall on your property, protection for medical payments and legal fees may be covered.
  • Eat, drink and be responsibly merry: Most states have social host liability laws, which may hold you responsible for accidents or injuries caused by your inebriated guests. Be sure to monitor your guests’ alcohol intake and designate drivers.
  • Runaway reindeer: Crowded roadways and inclement weather can make it difficult to see and avoid animals that dart across the road. Animal collisions can cause significant vehicle damage, but the associated repair costs are usually covered with comprehensive coverage.

While the holidays are a time for cheer and goodwill, an accident can quickly spoil the spirit. Being aware of your insurance coverage can offer peace of mind and a measure of reassurance at the holidays. To find out more about home or auto insurance, call your AAA agent to see what discounts you may be eligible for and what type of coverage you might need.