Car accidents just like any other kind of accident can happen anytime, anywhere moreover to anyone. This nature of untoward events is the reason why people must be prepared with what is unknown. Now more and more people are having their own means of transportation to address the constant need to move. Today even students and teenagers as young as 16 years old are driving their own cars. With this, auto insurance coverage is seen to be highly needed by everyone more than ever.
Why auto insurance is needed must first be understood. To make sure that every driver can be financially responsible to pay for the damages and bodily injuries caused by car crash almost all states passed laws that would require drivers to carry at least the minimum auto insurance coverage. The minimum coverage of each state differs from one another. Aside from this, auto insurance coverage will protect consumers in cases of accidents. How much the auto insurance policy will cover from the expenses necessitated by an accident depends on how much insurance coverage they have.
Filing a claim will get a consumer a step closer to the financial assistance he/she will need after a crash. Indeed filing a claim is not the final step for the consumer to get hold of the money to pay for damages and medical bills rather it is just the first step. The insurance company will have to verify the claim first which mostly takes time depending on the gravity of the accident.
There are also different types of insurance claims and the most common ones include the claim for rear end bender. This particular claim is, as the name suggests, for accidents involved in by the consumer who happened to hit the rear end of the car in front of him/her. Another common claim people are filing involve the claim for windshield. Since this is an important part of the car any damage should be fixed as soon as possible. Speaking of the most common insurance claim what we have next is definitely the most common which is the whiplash claim. This covers the acquired injuries from accidents with the rear bender part of the car. The last one has nothing to do with collision for these are the claims filed for stolen cars.
These are just some of the most common filed claims by policyholders. There are several others so before deciding what kind of insurance coverage consumers must review the possible claims they can get under different coverage.
