The Most Common Auto Insurance Claims

Auto insurance is crucial for safeguarding your finances and vehicle against unforeseen events. Knowing the most common auto insurance claims can increase your vigilance, help you avoid these situations and outline the importance of reviewing your coverage regularly to ensure you have adequate protection.

Common Types of Auto Insurance Claims

The following are some of the most frequent claims filed by drivers:

• Rear-end collisions—These are the most common type of auto insurance claims. They often occur in heavy traffic or at stoplights when drivers are distracted or following too closely. The driver in the rear is typically found at fault.

• Windshield damage—Chips and cracks in windshields are frequent claims. They usually result from debris kicked up by other vehicles, especially trucks.

• Single-vehicle accidents—These involve only one vehicle and can include incidents such as hitting a tree, guardrail or animal. They are common in poor weather conditions or when drivers lose control of their vehicle.

• Parked car damage—This can happen in parking lots or on the street, where another vehicle hits a parked car and leaves the scene.

• Theft and vandalism—Vehicle theft and vandalism are significant concerns, especially in urban areas.

• Whiplash and other injuries—Injuries like whiplash are common in accidents, particularly rear-end collisions.

• Storm damage—Weather events such as hailstorms, floods and hurricanes can cause significant damage to vehicles.

• Backing-up accidents—These occur frequently in parking lots when two vehicles are backing out simultaneously or when a driver fails to see an obstacle behind them.

Being aware of these common claims can help you take preventive measures, such as maintaining a safe following distance, avoiding distractions while driving and ensuring you have adequate coverage.

Learn More

For auto insurance near you, contact Atwood Agency (DBA ISU Insurance Services) today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.