Last minute Halloween tips


Looking for some last minute Halloween costume ideas? PropertyCasualty 360 offers 8 insurance-inspired costume ideas. Whatever your disguise or your way of celebrating, we remind you to make it a safe weekend … we offer a helpful animated message from Ma.Gov.Com  along with Halloween Safety Tips for Trick-or-Treaters and Adults.

ma-gov-halloweenBelow we have more tips from experts and from our archives on keeping kids safe as well as advice for keeping your property safe and reducing your own liability. Plus, a few posts just for fun!

Halloween tips from our archives

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Drunk Driving Simulator shows effects of impaired driving


drunk-driving-suit-largeHow impaired are you when driving under the influence? Ford’s Driving Skills For Life Program tested that theory out on teens using a drunk driving simulator suit that they developed to mimic the feeling and effects of inebriation. With weight pads, sound and goggles, they simulated the effects of drunkenness and had teens try driving while impaired.

“To impair coordination and balance, teens have a set of weights strapped to their body in different locations. For instance, one might be on the left ankle while others weight their shoulders and wrists down.

For a slower physical reaction time, trainers attach restrictive braces to both elbows and knees. Lastly and, perhaps, most challenging, the young participants don muffling headphones and vision-distorting goggles.”

This is a simulation, but the problem is real. While alcohol-related driving deaths have trended down since the 1990s, alcohol is still a factor in nearly one-third (31%) of all traffic-related deaths in the United States. In 2014, 9,967 people were killed in alcohol-impaired driving crashes.

Your BAC (Blood Alcohol Count) is a measure of the amount of alcohol in your bloodstream. You can learn about your BAC and how to get a rough calculation of your BAC, and what level of drinking will lead to impairment for your weight/sex. There are also a variety of BAC gauging apps that you can get for your phone. Learn more about the effects: The 6 stages of getting drunk.

It’s very important to know your state laws and BAC limits: Find your state’s drunk driving laws

42 states have administrative license suspension (ALS) on the first offense. ALS allows law enforcement to confiscate a driver’s license for a period of time if he fails a chemical test.

DUI and Insurance

If you have a Driving Under the Influence (DUI) license suspension or a DUI-related accident, it will be reflected in your state driving record and you should expect it to have an impact on your insurance. As a “high risk driver,” your insurance company could cancel your policy or decide to drop you when it is up for renewal. At the very least, expect limited options and a huge hike in the price you pay to secure coverage. In some states, an insurance company may deny coverage of personal injuries or property damage related to a DUI-related accident.

A DUI conviction may also have a big effect on Life Insurance rates. Some companies may decline coverage entirely for a number of years after a conviction.

Your New England Fall Foliage Toolkit


fall foliage at Saco River Covered Bridge in Conway, New Hampshire.With the fall season upon us, our brilliant foliage is the envy of the nation. People from all over the world travel here, but we can just hop in our cars and travel an hour or two in any direction to see the full glory of the season. We have a Live New England foliage map  for you, as well as links to great ideas for drives, destinations and things to do. And if you decide to venture north, we’re also including tips for avoiding collisions with wildlife since it’s peak season for those type of accidents. You don’t want your car to be in a battle with a deer or worse, a moose. It’s always a god idea to have your independent agent’s phone number or app handy on your mobile phone just in case.

Get free guides to the Best of New England Fall Travel, which includes best places to see foliage, best fall drives, things to do, places to stay, and more.

The foliage network offers local foliage reports with maps showing peak color locations, scenic drives and places to stay – and if you can’t find the time to drive to peak foliage locations or want to check out current conditions, check out the webcams.

Here are some great articles and guides for places to go and things to do:

deer-in-highwayAs you’re out on the roads leaf-peeping, visiting apple orchards or commuting to-and-from work this autumn, keep a sharp eye out: The likelihood of striking a deer more than doubles in the fall. Your normal odds of a ruminant-related collision claim is about 1 in 169, but the likelihood more than doubles during October, November and December. See our post: Watch the roads: Autumn is peak deer-vehicle collision season