Drivers should be aware of road risks associated with Halloween, according to the Insurance Information Institute.

Vandalism, whether on Halloween or the night before, may not be covered under an auto insurance plan. Vandalism coverage is generally optional, so any concerned auto owners should review their policies. If possible, moving a vehicle inside a garage is generally the easiest way to prevent such damage.

Trick-or-treaters wandering neighborhoods also present risks to drivers. If a driver strikes a tree or other obstacle in an attempt to avoid a pedestrian is likely to exercise the optional collision portion of an auto insurance policy . If a pedestrian or other vehicle is hit, the incident generally comes under liability coverage.

The early sunset and the fact that many costumes may be dark can increase the dangers. Pedestrians can improve safety by traveling in groups, wearing easily seen clothing and being aware of their surroundings.

Drivers, on the other hand, should be aware of the time of night as well as their surroundings. As it gets later, the probability of seeing groups of people will decrease, although it is still wise to keep an eye out for stragglers while on the road.

A recent poll by Safe Kids USA found 12 percent of children under the age of five went out without adult supervision on Halloween, so drivers should not necessarily count on parents to be watching the roads for their kids. All drivers should be aware that even if an accident results in no harm to pedestrians, such occurrences risk driving up their auto insurance rates