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TRICK OR TREAT?
Here are the minimum uninsured/underinsured policy limits in Texas:
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$30,000 per person personal injury
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$60,000 per incident personal injury
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$25,000 property damage
3 Ideas for a Fun and Safe Halloween
The “per person” bodily injury limit means that your insurance company only has to pay up to the per person limits for any one person involved in the accident. The “per incident” limit means that your insurance company is only required to pay the “per incident” limits, no matter how many persons are in the accident.
Halloween is beloved by kids and adults alike. While some communities have considered canceling Halloween festivities, many people still want to celebrate. It doesn’t help that Halloween falls on a Saturday this year, making it feel all the more festive. But with the health concerns of this year's pandemic, is it possible to trick-or- treat or throw a party safely? We all know the risk will still be present on Oct. 31. This means parents and partiers will have to decide individually what they want to do. There are still many ways to have ghoulish fun while staying safe this holiday. Go virtual with your Halloween festivities! This gives everyone a chance to dress up while staying at home. Put on your favorite terrifying tunes and have a costume or decoration contest. Encourage everyone to spruce up their party space and the area visible from their webcam to add an extra layer of spookiness to the digital festivities. You can even set up voting with tools like Google Forms. Get the most out of masks. If you decide to go out for a little fun, remember that practicing social distancing and wearing a mask is important, but don’t be afraid to get creative with it. Incorporate a mask into all your trick-or-treater's costumes. There are many fun and iconic characters that wear masks, so let your imagination be your guide. Sanitize! Whether you go out or stay at home, it’s always good to keep a bottle of hand sanitizer or disinfecting wipes on standby. If you choose to go out, wash your hands and your costume as soon as you get home. If your costume is not washable, hang it somewhere away from other items, such as in the garage or on a back porch, for a few days.
GHTS
Want to learn more about UM/UIM coverage and how it can protect you? See more at ClarkHarmonsonAttorney.com/blog !
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