What are the most common auto insurance claims?


The United States of America has the largest number of cars in the world. Every family has more than one car in this country. It is an established fact that cars are very useful for a number of reasons.

As cars have become very popular, almost everybody has one or two of them. And it is very common to have road accidents these days with road rage on the increase. And there are a lot of distractions that plague drivers who are on the road.

Things like hitting another person on the road or another car is way too common. This can happen very unexpectedly and you cannot take proper precautions. This is why the state requires people to have insurance for their cars.

When you have an accident, you need to file a claim with the insurance company. The most common insurance claims are,

Rear-ender: This is a claim that is made when you accidentally bump into someone’s rear end of the car. This may be because you did not react quickly to the car ahead of you when he stopped.

Whiplash: This is that insurance coverage that will pay for injuries sustained due to rear ender accidents. When someone hits your car from behind, your neck will get injured, this is known as whiplash.

Windshield damage: This is one of the most common insurance claims in the United States. This is because damage from rocks is very common. If a rock hits your wind shield at high speed, it will damage the screen even if it is not of substantial weight.

Vandalism and theft: a lot of claims are filed by people to recover cost of lost vehicles or stolen vehicles. There are also many cases of vandalism in urban areas. This happens when people attempt to steal a car or steal parts of a car.

There are also the common accidents due to collision, this can be with animals, cars or inanimate objects like poles, trees, and etc. accidents due to acts of god like rain, storm, fire, blizzards etc can also be covered under some insurance policies. Before you get an insurance policy, you need to anticipate the sort of damage that you are most likely to suffer before going out for one. You can compare quotes from a number of insurance agencies before you decide which one to settle for.