The holidays may be the most wonderful time of the year, but many serious household accidents occur in December. According to the Consumer Product Safety Commission, holiday decoration-related accidents sent nearly 15,000 people to emergency rooms last year. “While the holidays are a time for cheer and goodwill, an accident can quickly spoil the spirit of the season,” said David Hodge, vice president of insurance with AAA Western and Central New York. “Being aware of your insurance coverage can offer peace of mind and a measure of reassurance at the holidays.”

HERE ARE SOME OF THE TYPICAL AND NOT-SO-TYPICAL situations your AAA insurance policy might cover:

• O' CHRISTMAS TREE: You thought you tied it down securely, but a glance in the rearview mirror reveals your Douglas fir atop the hood of a following vehicle. Damage to the other vehicle may be covered by your automobile policy.
• LIGHTING THE MENORAH: Candles burning atop the mantel are an inspirational sight, but they can pose a fire hazard. Costs to repair burned walls or damaged flooring may be covered. Check your renters or homeowners policy to be sure. 
• SANTA'S FOUR-WHEELED SLEIGH: While you're inside the mall, you car is at the mercy or careless drivers, runaway shopping carts and the elements. Broken taillights and door dings may be covered by your auto policy.
• RUNAWAY REINDEER: Crowded roadways and inclement weather can make it difficult to see and avoid animals that dart across the road. Animal collisions can cause significant vehicle damage, but the associated repair costs are usually covered with comprehensive coverage.
• DOWN THROUGH THE CHIMNEY: The chimney may be famous for gift delivery, but unlocked doors and windows are often to blame for unwanted gift removal. While theft is a covered loss, it's a good idea to maintain an up-to-date inventory to ensure all your possessions are documented. 
• EAT, DRINK AND BE RESPONSIBLY MERRY: Most states have social host liability laws, which may hold you, responsible for accidents or injuries caused by your inebriated guests. Be sure to monitor your guests alcohol intake and choose designated drivers.

The holidays offer a reminder to cherish and protect what is most important. To find out more about home or auto insurance, call 1-866-874-7222 to see what discounts you may be eligible for and what type of coverage you might need.