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

10 comments:

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

    ReplyDelete
  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. The way people buy insurance has also changed. In the past, buying a car insurance just meant to meet your neighborhood agent and ask him for it.www.adlist24.com

    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