When it comes to auto accidents, there are some that are more common than others. In the same idea, when it comes to claims that many auto insurance companies may see, there are some that are also more common than others. As a motorist in Massachusetts, surely you want to take care to avoid some of these common claims, so allow us to share them with you.
From a fender bender all the way to windshield damage, here are a few of the most common auto insurance claims:
- Theft- Although theft is covered under comprehensive on your insurance policy, not all states mandate that type of policy. This means that for motorists without it, the cost can be astronomical. Fortunately, auto insurance can help. Worried about the premium? You can earn discounts on your policy with safety features such as alarm systems and other anti-theft devices.
- Windshield Damage- usually, this is the result of a rock or some other debris flying in front of a vehicle. This is, unfortunately, unavoidable in many cases. The good news is that if you have comprehensive coverage, you will avoid paying out of pocket for the repairs.
- Fender Benders- Different than rear-end accidents, fender benders often occur in driveways, narrow intersections, and even parking lots. More than likely, these are minor accidents without bodily injuries. These are often the result of a careless driver. This type of claim will certainly increase your premium; however, your auto insurance will cover the repairs should you chose to file the claim.
- Rear End Damage- This is one of the most common types of auto accidents. With little room between cars or not enough time to break, this happens often. This type of accident should be covered under your auto insurance with general liability coverage- unless of course, you live in a no-fault state. Whether or not you are responsible, your auto insurance policy should cover these damages – of course, you do risk an increase in your premium.
Understanding your auto insurance policy and what it covers is the best way to ensure that you will be covered in the event of any unforeseen damages to your vehicle. For assistance with your state’s requirements and the scope of your coverage, give your auto insurance agent at Eldredge & Lumpkin Insurance a call today!