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What Are the Top 10 Car Insurance Claims?

If another driver has rear-ended your vehicle or you’ve been stuck out in one of Colorado’s infamous hail storms, your incident made our list of top 10 car insurance claims.

At Affordable Insurance of Aurora, we know that on-average drivers will be involved in a road accident once every six years. The majority of these are mild fender benders with minimal damage and injuries.

However, knowing the top 10 car insurance claims can help you decide how much car insurance you need to carry and where to adjust deductibles so that you can easily recover from a situation.

1. Chipped Windshields

Loose gravel from a construction vehicle in downtown Denver or debris from another vehicle can cause minor chips and cracks in windshields, the simplest fix on our list of top 10 car insurance claims. These are damages covered by your comprehensive insurance. In the case that the glass is reparable, your insurance company will typically cover the repair completely and possibly waive the deductible.

If a complete replacement of the windshield is required, a deductible will apply. You’ll want to make sure that maximum dollar amount is something you can afford at a moment’s notice. While a $1,000 deductible might give you a lower premium and monthly payment, it would likely leave you with no coverage for a broken window and force you to pay for it completely out of pocket – or drive around with a busted window in the winter until you do come up with the money.

2. Intersection Accidents

This common 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 can be severe, causing significant damage and serious injuries. The liability insurance of the driver at fault will be used to cover the medical expenses suffered by the other driver(s). As you know, medical expenses are incredibly expensive these days. You may want to rethink only carrying the state minimums.

3. Backing Up Accidents

Accidents when backing up 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. 

4. Hail Damage

In some parts of the country, including Colorado, hail damage is common. In the last few years, billions of dollars in vehicle and property damage have been caused by hail in Aurora and the Denver metro. For our area, this may even be at the top of the list of top 10 car insurance claims. 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 deep dents 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.

5. Vandalism

This includes graffiti, being keyed, broken into, or having 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. 

6. 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. These accidents 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. 

7. Parked Car Damages

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. This is an optional coverage, but since this situation is on the list of top 10 car insurance claims, you may want to add it to your policy.

 8. Total Theft

Cars can be stolen for any reason, from joyriding to using it during the commission of a crime. For the best chance of retrieving your car, report it as stolen as quickly as possible and cooperate with law enforcement. If your vehicle is never recovered, comprehensive coverage can pay for the replacement value. Even if you’re no longer required to carry this coverage, it can provide peace of mind.  

 9. Multiple Vehicle Accidents

Multi-car pileups often happen in heavy traffic. Unlike a simple rear-end collision, it’s difficult to assign responsibility to an individual driver. If one car in a traffic jam accidentally rear-ends the car in front of it, you can get a domino effect with multiple impacts between tightly packed vehicles. Collision coverage and liability coverage of the driver (or drivers) found responsible will cover the damage in this case.

10. Single Car Collisions

Single car collisions are very common in adverse weather conditions or when a driver is impaired. 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. In this situation, collision coverage can cover the damages to your car if it hits a wall or other object. 

After reading through our list of top 10 car insurance claims, you should have a better idea of what you might experience on the roads here in Colorado and beyond. And if this has you thinking about making a few adjustments to your current policy, don’t hesitate to contact Affordable Insurance. We specialize in helping Colorado drivers find the best insurance options that suit their budget.

 

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