We hate to say it, but car accidents can occur anywhere, at any time. That said, some auto insurance claims are filed more often than others.
Want to know what your risks are behind the wheel? Read on to learn about some common auto insurance claims and be prepared.
Rear-ender fender benders
Texting while driving (now illegal in 30 states), chatting on the phone, and other media distractions make it easy to be unfocused behind the wheel. It's no surprise then that rear-ender fender benders are one of the most common auto insurance claims. (So keep your eyes on the road and protect yourself and your passengers.)
Since rear-enders tend to lead to soft tissue injuries, whiplash and muscle strain top the list of the most common accident injury.
Windshield claims
Rock chips: they happen to all of us — which explains why windshield claims, particularly from rock damage, are a common occurrence all over the U.S. But don't worry. Instead of replacing an entire windshield, you can now repair minor windshield damage easily and affordably.
Theft and vandalism claims
Total vehicle theft and stolen stereo systems top the list for common theft claims. Common vandalism claims include "keyed" cars and broken windows.
How to prepare: tailor your car insurance coverage
When you buy car insurance, here are some key things to consider:
- Your tolerance of risk — this can include things like out-of-pocket costs
- Your likelihood of certain risks — New Mexico, for example, has a large number of uninsured motorists driving around
- Your assets — the more assets you have, the more insurance coverage you'll need
Use the Coverage Counselor® tool to find the coverage that fits you best. Then get your free car insurance quote.