Allstate offers safety and insurance protection tips prior to Super Bowl
Fact: According to Hallmark Cards, Inc., the Super Bowl represents the No. 1 at-home party event of the year – even bigger than New Year’s Eve.
Super Bowl XLIV is hours away, and what will many Americans be doing? Hosting or attending a Super Bowl party! No one wants to spoil the fun of the big game, so Allstate Insurance Company is recommending tips to prepare and protect party hosts and guests getting ready for the big game.
Many party hosts don’t think about the liability risks that accompany a party. In some states, a host could be held liable if a guest is injured on his or her property. A host also may be liable if a guest has too much to drink and something happens. Fortunately, there are ways for hosts to protect themselves:
– Worried about a raucous guest falling and injuring himself in your home? Check your homeowners policy to make sure you have personal liability protection that provides adequate coverage for your home and assets. Liability protection provides coverage when others are injured or have sustained damage to their property for which you are responsible. If an accident in your home does happen, make sure the injured persons are comfortable and call for medical assistance if needed.
– What if that guest breaks your pricey antique vase in his fall – will your insurance replace it? Protect your home valuables – like fine art, collectibles or sporting equipment – with a scheduled personal property endorsement to your homeowners policy. Scheduled personal property provides protection for loss or damage to personal property items not always covered under traditional homeowners policies.
– Protect yourself and your guests. Provide non-alcoholic beverages to guests, and don’t let guests that have had too much to drink or drowsy guests drive home.
The party’s over, and your team won! Now, all you have to do is drive home and revel in your team’s victory. Unfortunately, drivers who are drowsy or have had too much to drink may be sharing the road with you and could make your happy drive home a dangerous one. Here are some tips to help protect your family when you’re traveling home after the big game:
Don’t drink and drive. If you know you will be drinking alcohol, use a designated driver or public transportation. Many cities even offer safe-ride-home programs.
If you spot an impaired driver on the highway, maintain a safe following distance and don’t attempt to pass.
Immediately report a suspected drunk driver by calling area law enforcement. Give police as much information (i.e., license plate number, make, model and color of vehicle, direction vehicle is traveling, physical description of driver) as possible.
Allow enough travel time, especially when traveling long distances. Drowsiness can reduce reaction time almost as much as drinking.
Don’t get behind the wheel when you are sleepy, and stop driving if you become sleepy while on the road.
Source: Allstate Insurance Company