What are the most common New Hampshire auto insurance claims?
Well, if you’re like most folks, it can pay off to find the answer to this question because you don’t want to face higher auto insurance premiums than absolutely necessary.
You do what you can to drive defensively. You work hard to make sure you obey all of the traffic laws. You even take a refresher safety course now and again, to get that little extra discount that your auto insurance company offers. Still, there’s always the risk that you’ll eventually need to file an auto insurance claim.
Knowing what the most common New Hampshire auto insurance claim types are can help you to make a serious effort to avoid some of those situations. Here are the seven most common auto insurance claims today:
#1 Fender Benders
A small accident that usually involves another vehicle in which no one is hurt, and the damage is under a few hundred dollars falls into this category. Although this common incident is minor, believe it or not, this claim can increase your premiums.
It’s often the butt of jokes in the movies, but whiplash may involve some serious medical costs to the injured individual. A whiplash collision claim is especially common, as it only requires a jerking neck motion.
#3 Back Injuries
After whiplash, back injuries are the next most common type of injury claim in an auto accident. Back injuries can range from something as simple as a strained muscle to something more severe, like a slipped disk.
#4 Windshield Damage
Accidents can sometime cause damage to the vehicle’s windshield. Sometimes, this damage occurs without accident. For example, cracked windshields can happen when a rock goes flying out from under the car in front of you. This kind of claim has a high deductible, and relatively expensive repair costs.
Many auto insurance companies provide discounts on premiums if you install added security systems. These discounts are a result of the direct impact from vehicle theft and the higher insurance rates that come along with it.
Depending on where you live, vandalism might also be an issue. If reports of vandalism are high in your area, you should expect to pay more for your auto insurance.
Whether it’s teenagers playing a prank or something more criminal, one thing is for sure: car vandalism can make everyone’s auto insurance rates in that area increase!
Even the car vandals rates will rise along with everyone else’s in the area if rates increase across the board (although that is likely not much consolation if you have just been a victim of an act of vehicle vandalism).
#7 Animal Collisions
Even if you don’t live in a rural area, it’s possible to run into a deer or other animal while driving. This kind of accident often creates tremendous amounts of damage to your vehicle.
Save Money on Your Auto Insurance!
While you can’t avoid all of the situations that might lead to these kinds of New Hampshire auto insurance claims, knowing what they are can help put you on the lookout for situations that might lead to these disasters. Contact our team at Morin Insurance Agency to discuss coverage that works for you. Call today at 866-538-2544 for your free NH auto insurance quote.