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New Hampshire auto insurance claimWhat are the most common auto insurance claims? Well, if  you’re like most folks, it can pay off to find out because you don’t want to face higher auto insurance premiums than absolutely necessary.

You do what you can to drive defensively. You work hard to make sure you obey all of the traffic laws. You even take a refresher safety course every now and again, just to get that little extra discount that your auto insurance company offers. Still, there’s always the risk that you’ll eventually need to file an auto insurance claim.

Knowing what the most common auto insurance claim types are can help you to make a serious effort to avoid some of those situations. Here are the 7 most common auto insurance claims today:

#1 Fender Benders

A small accident that usually involves another vehicle in which no one is hurt and the damage is under a few hundred bucks falls into this category. Believe it or not, this kind of claim can increase your premiums.

#2 Whiplash

It’s often the butt of jokes in the movies, but whiplash can involve some serious medical costs. A whiplash collision claim is especially common, as it only requires a jerking neck motion.

#3 Back Injuries

Back injuries are the next most common type of injury claim in an auto accident, after whiplash. Back injuries can range from something as simple as a strained back muscle to something more severe like a slipped disk.

#4 Windshield Damage

Windshield damage can be caused by accidents, or it can happen when a rock goes flying out from under the car in front of you. This kind of claim has a high deductible usually, and is a fairly expensive repair.

#5 Theft

Many auto insurance companies will give you a discount on your premiums if you install extra security systems, as theft of a vehicle will often lead to a much higher insurance rate.

#6 Vandalism

Depending on where you live, vandalism might be an issue as well. If reports of vandalism are high in your area, you can expect to pay more for your auto insurance.

Whether it’s teenagers playing a prank or whether its something more criminal or nefarious, one thing is for certain: car vandalism can make everyone’s auto insurance rates in that area increase!

Even the car vandals rates will rise along with everyone else’s in the area if rates increase across the board (although that is likely not much consolation if you have just been a victim of an act of vehicle vandalism).

#7 Animal Collisions

Even if you don’t live in a rural area, it’s possible to run into a deer or other animal in the road. These kinds of accidents often create tremendous amounts of damage to your vehicle.

Save Money on Your Auto Insurance!

While you can’t avoid all of the situations that might lead to these kinds of auto insurance claims, knowing what they are can help put you on the lookout for situations that might lead to these disasters. Contact us to discuss insurance coverage at 866-538-2544 or get a free New Hampshire auto insurance quote.


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