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Auto Insurance

Top 8 Car Insurance Claims in 2022

When you hear about insurance claims, it’s usually the crazy ones, like a tree going through a windshield or a car going for a swim in the pool. However, most car insurance claims are fairly boring and routine. Knowing the most common claims can help you become more aware of your surroundings. Here are some of the most common car insurance claims from last year:

Minor Accidents

Better known as “fender benders,” these accidents typically happen when drivers at relatively low speeds aren’t paying attention while driving. They’re by far the most common car insurance claims because no matter where you’re driving, there’s always someone driving while distracted.

Windshield Damage

Don’t you hate it when tiny rocks fly off of trucks and hit your windows? If that happens, you need to get out of the way. Windshield damage can be caused by something big like a fallen tree branch or something as small as a fast-flying pebble. 

Vandalism

Road rage, post-relationship rage or even teenage angst can be the cause of vandalism to vehicles. This is one of the most common claims drivers make to their insurance companies. Fortunately, it’s pretty easy to prove since drivers don’t typically key their own cars. 

Weather Damage

Storms can do a number on vehicles, from hail and lightning strikes to branches and trees being blown by the wind. That’s why weather damage is among the most common insurance claims. If nature takes revenge on your vehicle, be sure to take plenty of photos at the scene.

Single-car Accidents

Accidents only involving one vehicle are more common than you may think. During a rainstorm, cars can hydroplane and leave the road. Sometimes, obstacles in the road seem to appear out of nowhere. Unfortunately, single car accidents can also be caused by distracted or intoxicated driving. The most difficult part of a single-car accident claim is proving it wasn’t your fault.

Whiplash

After an accident, drivers need to go to a doctor and get checked out. Whiplash is extremely common after car accidents, and it can cause anything from brain fog to microfractures. Even if you’re not in pain after an accident, you need to get checked out. If something is wrong, keep records and be prepared to submit them to your insurance company. 

Car Theft

Roughly 60% of auto thefts occur in the U.S. when drivers leave their key fobs in their cars. Similarly, about 90% of vehicle break-ins happen when the car doors are left unlocked. You may think it’s rare for people to make these mistakes, but unfortunately, car theft still ranks as one of the top claims people make on their auto insurance.

Damage to a Parked Vehicle

You can’t avoid parking lots, especially if you live in the city. However, you may be able to avoid having your vehicle damaged with a little bit of strategy. Cars that are parked in well-lit areas or in spots closer to the parking lot entrance are less likely to get hit. Parking strategically does not guarantee that your car won’t be hit while parked, but it does help your chances.

Putting in a claim with the car insurance company is never fun, whether you have a crazy story or one of these common occurrences to report. If you’re in the market for car insurance, the Nsure app can help you compare policies from 50 top-rated insurers in less than 5 minutes. Be sure with Nsure.

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