Typical Car Insurance Claims

The most common car insurance claims are for minor accidents, or fender benders. High cost insurance claims are rare, but it's important to know when to make insurance claims as they will cause your insurance premiums to rise.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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UPDATED: Jun 8, 2020

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Here's what you need to know...
  • The most common type of insurance claims are for minor accidents often referred to as fender benders
  • Claims, and especially multiple claims within a certain period of time, will cause your car insurance premiums to rise
  • Comprehensive insurance protects your vehicle from damage or destruction that occurs by forces other than the driver himself
  • Always check the financial stability of an insurer before taking out a policy

The most common car insurance claims are often some of the least costly ones. In fact, high dollar car insurance claims are very rare.

While it is true that your car insurance coverage is in place to protect you from losses incurred to your vehicle, among other things, it is important to know when to make car insurance claims and when not to.

Certainly, if there are any injuries involved it is important to make an insurance claim, but beyond that for some of the smaller claims, whether or not to submit it to your insurer is something to be considered.

Find out all about the different types of auto insurance claims by reading below. Enter your zip above to start comparing car insurance quotes online!

Minor Accidents and Insurance Claims

What is the most common type of collision? The most common type of insurance claims are for minor accidents often referred to as fender benders. In fact, the type of damage that is typical of such accidents is actually damage to the fender or bumper of a car.

This is typically the result of two vehicles colliding or one vehicle hitting a stationary object.

Knowing whether or not to make a claim in such cases is important. If there is another party who is definitely at fault, you should make a claim.

The other person’s liability insurance coverage will pay for the damages to your car. However, if you are the at-fault party, you may want to consider paying for your damages.

Claims, and especially multiple claims within a certain period, will cause your car insurance premiums to rise. Therefore, especially if the cost of repairs is not very high, you may want to consider paying for them yourself, so you don’t have to pay for them for years to come with higher car insurance premiums.

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Comprehensive Insurance Claims

is in place in order to provide protection for your vehicle from damage or destruction that occurs by forces other than the driver himself. It covers such things as fire, theft, vandalism, windstorm damage and more. These, in fact, are some of the most common claims that are made to car insurance companies.

Glass coverage claims happen often, especially for windshield replacement. It is a common occurrence for a rock or other debris to hit a windshield and break it or at least chip it.

Chips will often spread until the glass is broken and it is necessary to replace the entire windshield. If this is the case and you have comprehensive insurance it is worth making a claim for the cost of the repair.

However, you can reduce the frequency and severity of glass claims by having chips sealed by professional auto glass companies. In many places, the service is done free of charge for those with comprehensive coverage.

There are other types of comprehensive insurance claims amongst the list of most common car insurance claims. They include vandalism, theft and natural disasters.

In the case of theft, it is important to remember that your comprehensive coverage will only cover theft of things that are attached to the vehicle and are a part of it.

Your personal belongings that may have been left inside it are not covered. You will instead need to turn to your home insurance coverage for such claims. So lock up those iPods and GPS devices out of sight.

Natural disasters run the gamut and can be incidents that involve just one policyholder, such as in the case of fire or a tree falling and damaging a vehicle. Other natural disasters include hurricanes, floods, wind storms and more and involve multiple vehicles in one area.

If you have a natural disaster claim involving just your vehicle, be sure to get documentation to prove it if possible.

Get Car Insurance Coverage Now!

Having sufficient car insurance coverage to help you in cases such as those mentioned above is very important. Statistics say that at some point in your life you will likely have to make a car insurance claim, possibly even several.

Therefore you want good coverage from a good company who deals with claims in an expedient manner.

When you are shopping around it is important to check out any company you are planning to buy a policy from. Research the customer service record of the company by checking with your state’s department of insurance about complaints against them.

You can also learn a lot by doing a simple online search about the company. Also, you should always check the financial stability of an insurer before taking out a policy.

You can do so by checking with one of the independent insurance ratings companies like A.M. Best or Moody’s who give letter grades depending on the economic stability of the company. You want an insurer who will be able to pay out if you need to make a claim.

Get started shopping around for car insurance coverage today by using an online quote tool. In no time, you’ll have multiple quotes from top insurers serving your state.

Compare insurance rates by using our free comparison tool below.

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