Tuesday, October 6, 2015

7 Most Common Auto Insurance Claims

While you could be the best driver in town, that doesn't mean you won't ever get into an auto accident. Even if you're doing everything right, you could still be involved in a situation where a Lake of the Ozarks auto insurance claim is necessary. Knowing what the most common types of auto insurance claims are can help you try to avoid them. Let's take a look at a few of these claims:

1. Fender Bender


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. 

2. Theft


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.

4. Vandalism


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.

5. Whiplash


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.

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 


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



stnaught@naught-naught.com


FOLLOW US ON SOCIAL MEDIA
Facebook 
Twitter
LinkedIn
Google+ 
Pinterest

31 comments:

  1. Very informative post. Read the most Car Gps Tracker common auto insurance claims so that you can be aware of it.

    ReplyDelete
    Replies
    1. I have read your article, it is very informative and helpful for me.I admire the valuable information you offer in your articles. Thanks for posting it.
      Tangki Panel

      Delete
  2. By this you should be very careful while driving. If your windshield is broken then repair it by calling Novus Autoglass which will make your windshield like new one.

    ReplyDelete
  3. Thanks for the post, wanted to know this info. You can visit bmw auto repair to get your car repaired with high technology tools at affordable price.

    ReplyDelete
  4. John! My true saviour indeed. Couldn't get rid of that spammy insurance broker without your help. John

    ReplyDelete
  5. This is such a great resource that you are providing and you give it away for free. I love seeing blog that understand the value of providing a quality resource for free. hyundai original parts

    ReplyDelete
  6. This comment has been removed by the author.

    ReplyDelete
  7. This comment has been removed by the author.

    ReplyDelete
  8. Be that as it may, verbal exchange can be really destructive and a company may never again get customers once they commit an error and hazard someone's cash. On account of the dangers engaged with contributing, and notwithstanding guaranteeing, reinsurance companies have developed bigly.reinsurance

    ReplyDelete
  9. So luck to come across your excellent blog. Your blog brings me a great deal of fun.. Good luck with the site. auto hail repair in Denver

    ReplyDelete
  10. Are you looking for a voyance telephone to discover your future ? Here, we propose you to visit a french website of divinatory arts : voyance-retour-amour.com. It gives you quality articles about the different methods which exists. Astrology, numerology, tarot cards and else...   Click Here

    ReplyDelete
  11. You need to fix your headlights of your car. Get the ram 1500 headlights installation of your car from HID Retrofit Kit which is the right destination for headlight replacement.

    ReplyDelete
  12. The all-unique exemplary game vehicle had a flawless dim blue inside where just the floor covering had ever been supplanted. good used cars

    ReplyDelete
  13. We have to caution while driving. If you had the accident and looking for the best car repair services for your broken car then, you can visit on Minor collision repair San Antonio

    ReplyDelete
  14. Impact and far reaching inclusion, extensive insurance and full thorough insurance slimfit car seat

    ReplyDelete
  15. Purchasing insurance with the end goal of assessment arranging: For some years specialists have inveigled their customers into purchasing insurance intends to spare duty under Section 80C of the Income Tax Act.https://www.bmmagazine.co.uk/business/a-guide-on-term-life-insurance-indemnity-in-perth-western-australia/

    ReplyDelete
  16. Hi there! Nice material, do keep me posted when you post something like this again! I will visit this blog leaps and bounds for more quality posts like it. Thanks... auto insurance

    ReplyDelete
  17. What a fantabulous post this has been. Never seen this kind of useful post. I am grateful to you and expect more number of posts like these. Thank you very much. auto repair near me

    ReplyDelete
  18. Welcome to the worldwide business manage. In this specific circumstance, we will take about the insurance business, the general meaning of insurance, sufficient and exact clarification of the definition, brief discussion about the history, the insurer, the insured, classes of insurance.auto insurance

    ReplyDelete
  19. In deciding the estimation of property harmed or annihilated by flame with the end goal of repayment under an arrangement of flame insurance, it was the estimation of the property to the protected, which was to be estimated. penn square bank car insurance discount

    ReplyDelete
  20. When you have burned through thousands, if not a huge number of thousands of dollars on a vintage vehicle, you should be certain that you have the correct sort of protection approach. how to get cheap non-owners sr22 insurance

    ReplyDelete
  21. This stunning site will be intriguing and also loaded with imperative material. Have communicating and that I will perpetually help this site
    medical insurance

    ReplyDelete
  22. Vehicle advertising works. For the small company to the large corporation, this type of ad campaign gets noticed.buy the right travel trailer for your travel needs

    ReplyDelete
  23. I can't read articles online all the time. yet, I'm happy I did today. This is extremely elegantly composed and your focuses are very much communicated. It would be ideal if you absolutely never quit composing.
    car insurance

    ReplyDelete
  24. By carrying insurance, you protected from accidents, regardless of whether they are considered your fault. Get the Lincoln car service by professional mechanic at nplincoln.com.

    ReplyDelete
  25. A regular hybrid will still need to use the petrol engine, although how much depends on how you drive it and how much charging it is able to get along the way.best digital car tyre inflator in India 2020

    ReplyDelete
  26. Suggestions from loved ones is an excellent hotspot for finding the correct garage. Having somebody you know suggest a garage is direct understanding, which is unquestionably more significant than some other wellspring of data in magazines or on the web.car repair garage in Slough

    ReplyDelete
  27. Wow! Such an amazing and helpful post this is. I really really love it. It's so good and so awesome. I am just amazed. I hope that you continue to do your work like this in the future also Schwere Krankheiten Kassel

    ReplyDelete
  28. Yes i am totally agreed with this article and i just want say that this article is very nice and very informative article.I will make sure to be reading your blog more. You made a good point but I can't help but wonder, what about the other side? !!!!!!Thanks Rentenversicherung Kassel

    ReplyDelete
  29. This comment has been removed by the author.

    ReplyDelete