Planning a Super Bowl party?

Designating a driver should be at the top of your party-planning list -- This is a really good reminder from the Insurance Information Institute. Millions of Americans will drive to a friend or family member's house to watch the Indianapolis Colts play the New Orleans Saints (go Saints!) making Sunday's event a treacherous time to be on the road.

“Those throwing a party where alcohol is served have both a legal and moral responsibility to make sure that their guests are capable of driving safely,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I.

“You don’t want to allow anyone who has been drinking to drive a vehicle or ride a motorcycle while impaired. Not only do your guests risk injury or death to themselves or others, but you may be held financially responsible.”