Tips For Reducing The Risk Of Common Auto Insurance Claims

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Discussing Insurance Coverage Hello, my name is Linda Suzanne. Welcome to my website about insurance. When I was first living on my own, I went without many different forms of insurance due to budget constraints. Unfortunately, luck was not on my side, so that decision did not serve me well. After suffering several major financial losses, I looked into affordable insurance options that would protect me from further complications. On this site, I want to help everyone understand how to acquire the insurance coverage that works best within their budget. Thank you for coming to visit my site. I invite you to come back often to learn more.


Auto insurance companies receive some claims more than others. Below are some of these claims, and how you can deal with them.

Fender Benders

Fender benders are relatively minor auto accidents that sometimes cost only hundreds of dollars to fix. Fender benders are bad because they do increase your auto insurance claims despite their low costs. The following are some tips for avoiding fender benders.

  • Maintain and use your car's mirrors so that you don't hit parked cars
  • Ensure your car's brakes are efficient so you can stop quickly
  • Do your best to avoid distractions
  • Be aware of your surroundings

Note that you don't have to file a claim if you are in a minor single-car accident. You can raise your deductible and use your personal funds for such damages so that your premiums don't rise due to fender bender claims.

Windshield Damage

Windshield damages are relatively common because the windshield is part of the car's body, which means it protects your car and its occupants from external threats. The windshield may not be as strong as other parts of the car. Also, even relatively minor damages to the windshield are dangerous because they may trigger poor visibility, interfere with sensors, and allow water into the windshield.

Flying debris, temperature fluctuations, and collisions are some of the common causes of windshield damage. You can avoid windshield damaged by:

  • Slowing down when driving over gravel roads or roads with loose debris
  • Keeping a safe distance from other cars so that their debris don't hit your windshield
  • Parking in safe places where weather elements don't affect your car too much
  • Taking other accident-prevention measures

In most cases, you will need comprehensive insurance to submit a windshield-damage claim. Since this is an non-mandatory coverage option, many people don't have it and cannot make windshield damage claims.


Vandalism occurs when someone damages your car without necessarily stealing something or benefiting from the damage. For example, someone can smash the windows, slash the tires, or key the car and damage its paint. Although the damages tend to be minor, they can lead to expensive repairs if you are dealing with an expensive car. For example, damage to custom paint can cost a lot of money to fix. Tips for avoiding auto vandalism include:

  • Parking in well-lit areas
  • Parking indoors if possible
  • Keeping our car clean
  • Installing a car alarm
  • Using valet parking whenever possible

Vandalism damages are also covered under comprehensive coverage. Consider buying this optional coverage if you have a relatively expensive car or you just want peace of mind.

To learn more about auto insurance, contact a company in your area like Nelson Insurance Agency.

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