A "fender bender" is the term given to a small accident that usually involves another vehicle, in which no one is hurt and the damage is typically under a few hundred dollars. These types of accidents typically occur in parking lots, driveways and narrow intersections. While this claim doesn't seem major, it can still have an effect on your insurance premiums.
A comprehensive insurance policy will cover your vehicle being stolen. The cost of the premium is determined on the likelihood of having your car stolen, i.e. the neighborhood you live in, the value of your car, etc. You can decrease your premiums by installing anti-theft devices such as an alarm system, GPS tracking, etc.
3. Windshield Damage
Another common claim is windshield damage, usually the result of a rock or some other small flying debris. Many people opt for comprehensive coverage to cover nicks, cracks and breaks. A new windshield is quite expensive, so you don't want to end up paying that out of pocket.
From unruly teens to vengeful exes, vandalism is another common auto insurance claim. This can include finding your vehicle keyed, with broken windows or with various other parts removed or damaged. Much like with theft, the higher the risk of vandalism, the higher your premiums will be.
One of the most common injury claims is whiplash, as it only requires a jerking of the neck motion. Even if you aren't actually in an accident, whiplash can occur just by slamming on the breaks in order to prevent the accident.
6. Back Injuries
Back injuries are the second most common injury claims. They can range from something as simple as a strained back muscle to something more severe like a slipped disk. Auto insurance MedPay can help cover medical costs for you and your passengers.
7. Animal Collisions
Even if you live in a big city, you can still hit a deer or other animal in the road. Depending on the size of the animal, as well as the speed and angle you hit it at, that animal could do some major damage to your vehicle. With deer season just around the corner, this is one to be especially aware of.
While you can't avoid all situations that could end up requiring an auto insurance claim, being aware of these common claims can help you practice better driving to avoid these situations as much as possible. It's also important to understand what your auto insurance at the Lake of the Ozarks covers. Are you covered for all of the above situations? You never know when you could find yourself in one of these auto insurance claim situations. Contact Insure the Lake today at 573-348-2794 for all your insurance coverage questions.
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About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.
Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral