The 5 most common car insurance claims

By insurancemed

It is important to note that the frequency of different types of car insurance claims can vary depending on your location and driving habits. For example, collision claims are more common in urban areas where there is more traffic. Comprehensive claims are more common in areas that are prone to hail, storms, and other types of weather events.

If you have a car insurance claim, it is important to file it promptly with your insurance company. Your insurance company will investigate the claim and determine whether it is covered under your policy. If your claim is covered, your insurance company will pay for the damages to your car, or they will replace your car if it is stolen or totaled.

  1. Collision: Collision claims are the most common type of car insurance claim, accounting for about 40% of all claims. Collision claims occur when your car collides with another vehicle or object.
  2. Comprehensive: Comprehensive claims occur when your car is damaged or stolen due to something other than a collision, such as hail, storm damage, theft, or vandalism. Comprehensive claims account for about 20% of all car insurance claims.
  3. Property damage: Property damage claims occur when your car causes damage to another vehicle or property. Property damage claims account for about 15% of all car insurance claims.
  4. Medical payments: Medical payments coverage pays for medical expenses for you and your passengers, regardless of who is at fault for an accident. Medical payments claims account for about 10% of all car insurance claims.
  5. Uninsured/underinsured motorist: Uninsured/underinsured motorist coverage protects you if you are hit by a driver who does not have insurance or who does not have enough insurance to cover your damages. Uninsured/underinsured motorist claims account for about 5% of all car insurance claims.

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