Top Auto Insurance-related Claims and How to Avoid Them

Auto insurance is an essential financial tool for responsible car owners. No matter how cautious and diligent you may be as a driver, unexpected incidents can and do happen. Understanding the most common auto insurance claims may help you avoid them and recover smoothly after a covered incident.

Common Auto-related Claims

• Collision claims—These are the most frequently filed claims and include damage to your vehicle from hitting another vehicle or object. Collision insurance may cover costs beyond vehicle repairs, such as medical expenses if injuries are involved.
• Comprehensive claims—These are claims for damage to your vehicle caused by events other than collisions. Incidents may include vandalism, theft, accidents with animals, or weather-related events.
• Liability claims—These are claims for injuries and property damage you cause to others in an accident for which you are at fault.
• Uninsured/underinsured motorist claims—These claims are for damages and injuries in an accident where the other driver is at fault and has insufficient or no auto insurance.

Tips for Safe Driving Practices

Consider the following tips when behind the wheel:

• Drive at safe speeds, especially on unfamiliar roads.
• Avoid distractions while driving.
• Watch for animal crossing signs, especially when driving at dawn and dusk.
• Park in a garage or covered area during severe weather.
• Keep up with regular vehicle maintenance to keep your car in top condition.
• Park in well-lit, secure areas, and make sure to lock your vehicle.

Contact Us

Your auto insurance policy is designed to help you financially after a covered incident. While you can’t anticipate every accident, understanding the top auto-related claims can help you be prepared for the unexpected. The team at Prescott & Craig, Inc. in Jerome, ID can help you find an auto insurance policy that fits your needs and budget. Contact us today for a personalized quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.