Can you guess the most common car insurance claims? Affordable Insurance of Aurora, Colorado has put together a list of the 10 most common incidents leading to car insurance claims, and the results may surprise you!
The average person will be involved in a road accident once every six years. The majority of these incidents are classified as mild fender benders, with minimal damages and injuries. Knowing the most common causes for claims can help you when it comes time to choose your car insurance.
- Chipped Windshields
Loose pebbles on country roads or debris from another vehicle frequently cause minor impacts on windshields. Chips and small cracks in windshields fall into the category of damages covered under comprehensive insurance. In the case that the glass is reparable, your insurance company will typically cover the cost of repair completely and waive the deductible. If a complete replacement of the windshield is required, a deductible will apply.
- Rear-end Collisions
Rear-end collisions are very common and are almost always the fault of the driver in the rear. This type of accident occurs when the driver in front comes to a stop at an appropriate place, such as a stop sign or traffic light, and the driver behind them fails to stop quickly enough and hits them from behind. Rear-end collisions can result in whiplash injuries to either party and of course, damages to both vehicles from the impact. Your collision insurance covers costs incurred from damages to your vehicle.
- Backing Accidents
Backing accidents often occur in parking lots, when two cars are backing out of their spaces simultaneously and collide. They can also happen between one car that is backing out of a space and another that is driving through the parking lot. It can be difficult to determine which driver is responsible for such an incident. Witness reports and an investigation may be required to decide which driver’s insurance will pay for the damages. Collision coverage covers this type of accident.
Vandalism to your vehicle includes graffiti, being keyed, broken into, parts damaged or removed. Some instances of vandalism can include interference with parts of your vehicle such as the exhaust pipe or gas tank, were damaging substances or objects are introduced. Comprehensive coverage includes vandalism, but it is usually up to the vehicle owner to pay a deductible unless they can identify and sue the vandal.
- Total Theft
Cars are sometimes stolen to be used in crimes such as robberies and drug trafficking. For the best chance of retrieving your car, report it as stolen as quickly as possible and co-operate with law enforcement. If your vehicle is stolen and never found by police, comprehensive coverage can pay the replacement value. If the rate of car theft is high in your state, consider investing in comprehensive coverage.
- Intersection Accidents
Intersection accidents are unfortunately quite common and can be severe, causing significant damage, serious injury, and fatalities. This type of collision usually results from one driver running a red light or failing to yield the right of way when turning left. Depending on the speeds involved, the accident may lead to minor damage or a completely totaled vehicle. The liability insurance of the driver at fault will cover the cost of medical expenses and damages suffered by the other driver.
- Parked Car Damage
Parked cars that are hit, scratched or dented by adjacent car’s opening doors can be claimed under collision coverage. The person with a moving vehicle at the time of the accident is always at fault, even if the stationary car is parked illegally. Damaged caused by a hit-and-run collision to a parked car can be claimed under uninsured motorist coverage in some states.
- Single Car Collisions
Single car collisions are very common in adverse weather conditions or when the driver is drunk. This type of accident involves just one vehicle that either collides with an object like a tree or stop sign or runs itself off the road. In single car collisions, the driver often completely loses control of the car. Collision coverage can cover the damages to your car if it hits a wall or other object.
- Hail Damage
In some parts of the country, including Colorado, hail damage should not be underestimated. From April to August, drivers in Colorado should try to avoid driving in hail and store their car in a covered area. Hail stones can leave indentations on the bodywork of the vehicle and chip or crack the glass. A vehicle can be totaled if caught in a bad hailstorm. Damages from hail or other weather conditions can be claimed for under comprehensive insurance.
- Multiple Vehicle Accidents
Multi-car pileups often happen in areas of heavy traffic. Unlike a simple rear-end collision, it’s difficult to assign responsibility to an individual driver when there are many vehicles involved. if one car in a traffic jam accidentally rear-ends the car in front, they can end up causing a domino effect with consecutive impacts between tightly packed vehicles. Collision coverage and liability coverage of the driver, or drivers found responsible will cover the damage in this case.
These are the incidents resulting in the highest number of auto insurance claims across the country. Some are minor accidents that are almost inevitable for drivers to experience at some time or another. Others are more dangerous and can have a high risk of fatality. To lower your risk of incidents drive with caution, always expecting the unexpected from other drivers and avoid driving while tired or under the influence. An insurance policy adapted to your risk factors will give you the best protection if you do experience an accident.
After reading about road mishaps, you have your answer to the question, can you guess the most common car insurance claims? You should also have a better idea of what you may experience over your driving career. And if you want to make some adjustments to your current policy or learn more about the options available to you, don’t hesitate to contact Affordable Insurance. With over 25 years of experience in the insurance industry, we can help Colorado drivers find reliable insurance options that suit their budget.