The 5 most common car insurance claims

Car accidents and unexpected events happen every day, which is why car insurance is essential. Insurance companies handle millions of claims every year, but some types of claims are far more common than others.

Understanding the most frequent car insurance claims can help drivers stay prepared, avoid risks, and ensure they have the right coverage in place.

Here are the five most common car insurance claims and what you need to know about them.

1. Rear-End Collisions

One of the most common types of accidents is rear-end collisions, where one car hits the back of another vehicle.

🚗 Why Do Rear-End Collisions Happen?

✔ Distracted Driving – Texting, talking, or not paying attention.
✔ Tailgating – Following too closely behind another vehicle.
✔ Sudden Stops – The car in front braking unexpectedly.
✔ Bad Weather Conditions – Wet or icy roads reduce stopping distance.

🔧 What Does Insurance Cover?

• The driver at fault pays for damages to the other vehicle under liability insurance.
• The driver not at fault may claim repairs under collision coverage.
• Medical expenses may be covered by Personal Injury Protection (PIP) or Medical Payments coverage.

How to Avoid This Claim?

🚦 Maintain a safe following distance and stay alert while driving.

2. Windshield and Glass Damage

Cracked or shattered windshields are among the most frequent car insurance claims.

🚗 Why Does Windshield Damage Happen?

✔ Flying Debris – Rocks and gravel hitting the glass.
✔ Extreme Temperature Changes – Sudden weather shifts cause cracks.
✔ Hailstorms – Large hailstones breaking the windshield.
✔ Car Accidents – Even minor crashes can crack windshields.

🔧 What Does Insurance Cover?

• Comprehensive insurance covers windshield repairs and replacements.
• Some policies offer full glass coverage with no deductible.
• If damage is caused by an accident, collision insurance applies.

How to Avoid This Claim?

🚗 Keep a safe distance from large trucks and avoid driving behind construction vehicles.

3. Single-Vehicle Accidents

Single-vehicle accidents happen when a driver crashes into an object without another car being involved.

🚗 Common Causes of Single-Vehicle Accidents

✔ Slippery Roads – Ice, rain, or oil spills causing loss of control.
✔ Swerving to Avoid Obstacles – Avoiding animals, potholes, or other hazards.
✔ Falling Asleep at the Wheel – Driver fatigue causing loss of control.
✔ Mechanical Failures – Brake failures, tire blowouts, or steering problems.

🔧 What Does Insurance Cover?

• Collision insurance covers damage to the car.
• Comprehensive insurance covers damage from natural causes like trees or animals.
• Personal Injury Protection (PIP) covers medical expenses.

How to Avoid This Claim?

🚗 Drive cautiously in bad weather and ensure your vehicle is well-maintained.

4. Theft and Vandalism

Car theft and vandalism are serious concerns, especially in high-crime areas.

🚗 Why Do Cars Get Stolen or Vandalized?

✔ Unsecured Vehicles – Leaving cars unlocked or with windows open.
✔ Valuables in Sight – Laptops, wallets, or bags attract thieves.
✔ Parking in Unsafe Areas – Poorly lit or secluded locations.
✔ Lack of Security Features – No alarm, immobilizer, or tracking system.

🔧 What Does Insurance Cover?

• Comprehensive insurance covers theft and damage from vandalism.
• Personal belongings stolen from a car may not be covered under auto insurance (home or renters’ insurance may apply).

How to Avoid This Claim?

🚗 Park in secure areas, install anti-theft devices, and never leave valuables in your car.

5. Parking Lot Accidents

Many car accidents happen in parking lots due to tight spaces, heavy traffic, and distracted drivers.

🚗 Common Parking Lot Accidents

✔ Backing Into Another Car – Misjudging distance or failing to check blind spots.
✔ Door Dings and Scratches – Cars parked too close to each other.
✔ Hit-and-Runs – Another driver hits a parked car and leaves.
✔ Pedestrian Accidents – Not noticing people walking between cars.

🔧 What Does Insurance Cover?

• Collision insurance covers damage to your vehicle if you hit another car.
• Liability insurance covers damage to other vehicles if you’re at fault.
• Uninsured motorist property damage (UMPD) may cover hit-and-run damage.

How to Avoid This Claim?

🚗 Park away from high-traffic areas and always check mirrors when reversing.

FAQs

1. Does Insurance Cover Hit-and-Run Accidents?

Yes, if you have uninsured motorist coverage or collision insurance, it may cover hit-and-run damages.

2. What Happens If My Car Is Totaled?

If your car is declared a total loss, your insurer will pay you the car’s actual cash value (ACV) minus your deductible.

3. How Do I File a Car Insurance Claim?

1️⃣ Take photos of the damage.
2️⃣ Contact your insurance provider.
3️⃣ Provide details like accident reports or witness statements.
4️⃣ Get repair estimates.
5️⃣ Pay your deductible and get your payout.

4. Will My Rates Increase After a Claim?

Yes, filing a claim may lead to higher premiums, especially if you’re at fault. Some insurers offer accident forgiveness to avoid rate hikes.

5. How Can I Lower My Car Insurance Costs?

✔ Drive safely and avoid accidents.
✔ Increase your deductible.
✔ Take advantage of discounts.
✔ Compare quotes from multiple insurers.