Common Auto Insurance Claims and How to Avoid Them

Navigating the roads of California comes with its own set of challenges, and auto insurance claims are a reality for many drivers. Understanding the most frequent types of claims and how to avoid them can save you time, money and stress.

How to Avoid Common Auto Insurance Claims

The following are common auto insurance claims and how to potentially avoid them:

• Rear-end collisions—Rear-end collisions are among the most common auto insurance claims. These accidents frequently happen because of distracted driving, tailgating or abrupt stops. To reduce the risk, keep a safe distance from the vehicle ahead, remain vigilant and steer clear of distractions, such as texting or eating while driving.
• Single-vehicle accidents—These accidents involve only one vehicle and can include collisions with objects like trees, poles or guardrails. They are often caused by driver error, speeding or adverse weather conditions. To help prevent single-vehicle accidents, drive at safe speeds, especially in poor weather and stay focused on the road.
• Side-impact collisions—Side-impact collisions, often referred to as T-bone accidents, usually occur at intersections when a driver fails to yield or runs a red light. To minimize the risk, always adhere to traffic signals, check both directions before crossing intersections and stay alert for drivers who might not follow the rules.
• Theft and vandalism—Vehicle theft and vandalism can be significant concerns in California. To help safeguard your vehicle, park in well-lit areas, utilize antitheft devices and avoid leaving valuables visible. Additionally, comprehensive insurance coverage can help reduce the financial burden if your vehicle is stolen or vandalized.
• Weather-related accidents—California’s diverse climate means drivers can encounter various weather conditions. Weather-related accidents can be minimized by adjusting your driving to the conditions, using headlights in low visibility and ensuring your vehicle is well-maintained, especially the tires and brakes.

Learn More

By recognizing these common auto insurance claims and taking proactive measures to prevent them, you can improve your safety while driving and potentially lower your insurance premiums. Contact JSW Insurance to review your auto insurance today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.