What Are The Worst Holidays For Car Insurance Claims?

Car accidents can happen at any time. But holidays can be a hazardous time to be on the road. During holidays, many people travel to be with their families or attend parties. These gatherings usually involve drinking, which means that there are also more drunk drivers on the road during holidays than at other times of the year.

Apart from accidents, car theft incidents also rise during holidays. Many car owners file insurance claims for theft during these special days. Like accidents, thieves don’t take a break. They strike when people are distracted with all the partying and merry-making.

What follows is a list of the worst holidays for car owners.

New Year’s Day

What Are The Worst Holidays For Car Insurance Claims?

New Year’s Day is the worst day for car owners. It’s the worst day for car theft and also for car accidents. Thousands of car theft incidents and hundreds of car crashes are reported by motorists across the country during this day.

New Year’s is not only dangerous for motorists. It’s also a bad time for pedestrians. An average of 22 pedestrians are killed each year during New Year. What makes this holiday dangerous is the combination of drunk driving, wet road conditions, and the increased number of pedestrians on the road.

Fourth Of July

Fourth of July is the second most dangerous holiday for motorists. But drivers should also be careful during the third of July. Hundreds of car crashes are recorded in the U.S. during these two days.


What Are The Worst Holidays For Car Insurance Claims?

Thanksgiving is a time to be grateful for all the good things in your life. People should express this gratitude by being more courteous and mindful on the road. However, Thanksgiving is another dangerous holiday for motorists because of drunk and sleepy drivers behind the wheel. And since it’s a long weekend, the risk of being in an accident is spread for several days.  

Thanksgiving also falls in the middle of deer season. Hence, animal-related crashes also increase during this time of the year. So even if the road seems empty, you should still be careful in case a deer appears suddenly.


Halloween is a time to binge-watch your favorite horror movies. But absolute horror can happen on the road as well. Drunk party goers and even trick-or-treating children can pose a risk to motorists. It’s not surprising that more children are killed by car accidents during Halloween than on other holidays.

Halloween is also a time for wild college parties. This is why accidents caused by drunk driving also rise during this time of the year. Even if your car is just parked, it can still be a victim to intoxicated individuals and pranksters who vandalize vehicles and property.


What Are The Worst Holidays For Car Insurance Claims?

Christmas is said to be the most beautiful time of the year. But it can also be a dangerous time. As people rush to be with their families, roads get congested, and drivers tend to forget the basics of road safety. And since Christmas falls in winter, some of the roads can be wet and even icy, making driving much riskier.

Cases of car theft also rise on Christmas Eve and Christmas Day. Even the days leading to the holiday can be dangerous. Thieves usually target cars that are parked in shopping malls. So you need to make sure to park your vehicle in a safe spot and avoid leaving valuables inside your vehicle, especially expensive gifts for your friends and family.

Other Times Of The Year With Possible High Insurance Claims

Bad weather is also a reason for insurance claims. Snow, flood, and even wind can directly or indirectly damage vehicles. But the summer months are just as risky. This is because summer is a time for vacations, barbecues, and family gatherings. This means that there are a lot of cars on the road during these months. More cars mean a greater chance of accidents happening.

Have Fun But Be Careful

Holidays are a time to be with family and friends and to have fun. But you need to party responsibly. If you plan to drink at a party, you should just leave your car at home and have a designated driver who can take you home safely after the party.

If you’re driving, make sure you’re sober. You need to be extra careful and be on the lookout for dangers on the road, such as drunk drivers and pedestrians. It’s also a good idea to plan your trips during holidays. Last but not least, you need to make sure that you have the best car insurance. This is because no matter how careful you are, accidents can still happen.

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