7 Most Common Auto Insurance Claims

Did you know that rear-end collisions account for more than 40% of U.S. accidents? Auto claims normally pay out between $14,000 and $28,000 nation wide.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember...

  • Knowing the process of filing an auto claim can save you time and money
  • A defensive driving course can help you stay current with driving rules and regulations
  • If you re prone to auto accidents, your premiums will be higher

What are the most common auto insurance claims? If you don’t know, it’s a good idea to find out so you don’t pay 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 every now and again, just 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 auto insurance claim types are can help you to make a serious effort to avoid some of those situations.

Here are the 7 most common auto insurance claims today:

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Top Seven Auto Insurance Claims


#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 bucks falls into this category. Believe it or not, this kind of claim can increase your premiums.

#2 Whiplash

It’s often the butt of jokes in the movies, but whiplash can involve some serious medical costs. A whiplash collision claim is especially common, as it only requires a jerking neck motion.

#3 Back Injuries

Back injuries are the next most common type of injury claim in an auto accident, after whiplash. Back injuries can range from something as simple as a strained back muscle to something more severe like a slipped disk.

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#4 Windshield Damage

Windshield damage can be caused by accidents, or it can happen when a rock goes flying out from under the car in front of you. This kind of claim has a high deductible.

#5 Theft

Many auto insurance companies will give you a discount on your premiums if you install extra security systems, as theft of a vehicle will often lead to a much higher insurance rate.

#6 Vandalism

Depending on where you live, vandalism might be an issue as well. If reports of vandalism are high in your area, you can expect to pay more for your auto insurance.

Buying a policy that includes car vandalism insurance will at least make sure the extra cost is worth it!

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 On the road. These kinds of accidents often create tremendous amounts of damage to your vehicle.

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Save Money on Your Auto Insurance!

Most common insurance claims fall into these categories, and there’s not much you can do to prevent many of them.

While you can’t avoid all of the situations that might lead to these kinds of auto insurance claims, knowing what they are can help put you on the lookout for situations that might lead to these disasters.

Enter your zip code below to get started comparing free auto insurance rates and start saving some money!


  1. https://www.allstate.com/tools-and-resources/car-insurance/how-to-file-auto-insurance-claim.aspx
  2. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx
  3. https://www.nolo.com/legal-encyclopedia/whiplash-injuries-basics-32286.html
  4. https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs
  5. https://www.esurance.com/info/claims/vandalism-claims-and-how-your-car-insurance-can-help

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