Top 5 most common car insurance claims in the US

Most of us do our best to drive safely, also, most of us expect never to file a claim to our auto insurance company. But sometimes, accidents happen, so we have to file a claim.

In 2020, auto insurance claims are over 160 billion U.S. dollars with 27% of households reporting that they filed at least one auto insurance claim. Here are the top 5 most common car insurance claims in the US.

1. Fender Benders This is the typical auto accident where both parties haven't been injured, that sort of damage caused to the vehicle is worth some hundreds of dollars. So that sort of accident is not so severe, but what you as policyholder didn't notice is that each claim you do can increase your premiums, even if not a big deal claim.
2. Whiplash This can be a serious issue when we talk about medical costs. A whiplash claim is the 2nd most common claim, and this is because it only requires a jerking neck motion.
3. Back injuries This is a similar claim compared to whiplash, and this is because your back can range from any part of the muscles, or nerves to your back, or something more serious such as a spinal issue. Any back injuries have great medical costs too.
4. Windshield damage This sort of claim can be easily filed when a car accident or a collision happens, but it can also be caused by a rock that falls into your windshield, or even hurts you. Remember that windshields have high deductibles, that's why I encourage you to include glass coverage in your auto insurance policy.
5. Theft Someone who steals our vehicle is something out of our control, that's the reason why your car insurer will offer you great discounts when you install or buy a car with quality security systems in your car. Remember that once your car has been stolen, it will also increase your premiums once you file that claim.

Conclusion

Many of these claims are unavoidable when they happen, the best you can do is review your declaration page from your car insurance policy, and verify what covers in your policy and what not. 

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