There are plenty of hazards of last-minute shopping, beyond battling the crowds. Full parking lots and overwhelmed parking lot security guards means that hit and run accidents and property theft are both major issues this time of year. Read on to learn about how you can protect yourself.
If you’re the victim of a hit and run accident in a crowded parking lot, you’ll be faced with the decision of whether or not to file a claim. Assess the damage. If it’s a minor dent or scratch, you might find that after the deductible is subtracted, you might not get much compensation. If the damage is severe, however, filing a claim is likely a good idea.
If someone breaks into your car, comprehensive coverage will likely cover the damage. But there are things you can do to protect yourself. Keep in mind that you might be being watched. Stashing your gifts in the trunk might seem like a good hiding spot, both from prying eyes in your family and thieves, but a would-be thief could have watched you stash those gifts. Thieves also have access to a tool called a scanner box, which can override keyless entry systems. Once that thief is in your car, all he has to do is pop the trunk and those gifts are his. If you must stash gifts in your trunk, lock them in and then move your car. A thief watching will assume you’re heading home and will turn to more promising targets.
If items are stolen from your car, your auto insurance will not cover their loss. However, homeowners or renters insurance might cover your loss. If you used a credit card to make your purchases, your credit card company also might provide some coverage.
Stay safe out there, all you last-minute shoppers!