Merry Christmas!

All of us here at Car Insurance Guidebook wish you a safe and happy Christmas Season.

Merry Christmas!

The Christmas season is one that most look forward to all year. People are a little nicer, festive decorations are decking the halls and everything is a little brighter thanks to the magical glow of Christmas lights. While you are enjoying this joyous season, keep in mind the hazards and extra costs that accompany this time of year. Being prepared for them will keep your Christmas merry.

No Drunk Driving this Christmas Season

If you have followed many of my posts, you know that I have little forgiveness for drunk drivers. The many years that I spent working in car insurance claims brought more drunk driving accidents across my desk than I could count.

The families that I talked to that lost loved ones because someone else made the bad decision to drive while intoxicated are conversations that aren’t easily forgotten. I also have personally lost family members to a drunk driver that was too intoxicated to be able to control his car on a winding road.

If you do partake in the Christmas “spirits” this year a little too much, please make arrangements for the evening. Arrangements that do not include you being the one behind the wheel of a car.

Watch Out for Little Kids with New Christmas Toys

When you were finally allowed outside on Christmas morning with your new bike or sled, was watching out for cars the first thing on your mind? I know it wasn’t on my mind.

Kids haven’t changed much over the years when it comes to the enthusiasm of getting a new toy. Playing with that new toy, not your vehicle coming down the road is what is on their mind. This is why it is important that you, the driver, be the one that is aware of the kids on Christmas morning. Meaning that you need to observe the speed limit or slower in your neighborhood, especially if it is icy.

If you do hit a child, the emotional toll that it will put on you cannot be put into words. Not to mention that if the accident is found to be your fault, you can probably expect a lawsuit with monetary amounts that exceed most people’s insurance coverage. So just play it safe this Christmas morning and take your time getting to where you need to go.

Giving a Car for Christmas

Giving a car for Christmas is one of those wonderful, big Christmas gifts that come with hidden costs that most people don’t think about. Christmas cars are just like Christmas puppies, but without the potty training.

One of the most important hidden costs that come with a Christmas car, that you absolutely have to have, is the car insurance. In fact, you have to have insurance on the car before it can be driven or even registered in some states.

If you are the one giving the car to someone else, it would be very Grinch-like of you to not get at least some insurance coverage on the vehicle before Christmas morning. Nothing ruins a perfectly, magical, gift moment like giving the car and then following it up with, “No, you can’t take it out for a spin, it’s not insured yet”.