Crashes Don't Have Monopoly on Car Damage

ActOfNature

If you think managing to avoid hitting or being hit by another moving vehicle is a foolproof way to maintain a spotless claims record with your insurance provider, beware of obstacles in the road ahead. According to a study by CarInsurance.com, crashes are among dozens of potential perils that drivers face.

Crashes in which a driver strikes, or is struck by, another moving car do comprise the greatest proportion of auto-insurance claims (nearly 45% combined). Still, according to an analysis of 42,000 online quotes delivered between Sept. 1, 2011, and Feb. 5, 2013, for collision, comprehensive and liability insurance on single-vehicle policies where users reported an incident in the preceding five years, a host of other types of claims exceed moving crashes.

"We buy auto insurance because we envision two cars careening toward each other and screeching brakes," said Des Toups, CarInsurance.com managing editor. "But more than a third of all incidents involve things like a parked car, the weather, vandalism, hitting animals or road debris."

The other top reasons for auto-insurance claims include:

10. Hit a pedestrian: 0.4%
9. Theft of car or car parts: 1.5%
8. Windshield or glass: 2.2%
7. Struck animal: 2.4%
6. Vandalism: 2.4%
5. Debris or other non-accident damage (i.e., a pothole): 2.9%
4. Car struck while parked: 5%
3. Struck parked car or tree: 5.4%
2. Act of nature: 5.8%
1. Single-car accident: 7.9%

Related
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Most Hit-and-Runs Happen to Parked Cars
Staged Accident Claims Increase

By Matt Schmitz | February 12, 2013 | Comments (3)

Comments 

It was really a good news for all of us.I am eagerly waiting for that time.Thanks for sharing.Thanks.

Very entertaining information. found a lot of things for yourself useful. Thx!!

I would like to thank you for the efforts you have made in writing this article. I am hoping the same best work from you in the future as well.

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