The Most Common Car Insurance Claims and How to Avoid Them

The Most Common Car Insurance Claims and How to Avoid Them

You never know when an accident might happen. You could be on a long road trip or driving your daily commute. Sometimes there are freak car accidents with one in a million chances of happening. Most of the time, one of three most common car accidents that take place are someone a rear-ending, hitting a parked car, or a single-vehicle collision.

In this article, we’ll cover these three types of collisions and how best to avoid them.

Rear-End Collision

Rear-end collisions are probably the most common type of car accidents that take place in Canada. They tend to be caused by motorist speeding, following too close to the vehicle in front, driving while distracted or being over confident that the vehicle will stop in a short distance when brakes are applied. There are a few easy things you can do to avoid rear-ending someone or getting rear-ended by a another driver.

  • Leave plenty of space between you and the vehicle in front of you. Also, extend this distance if it is snowing or raining.
  • Try not to slam on your brakes – if the person behind you is travelling too close, if possible simply change the lane. he could easily run into the rear of your car.
  • Don’t let anything distract you. That includes your cell phone, passengers, pets in the car, what’s happening on the side of the road etc.

Single-Vehicle Accidents

Single-vehicle accidents involve your car and another non-vehicle object like building, fences, dividers on roads, lamp posts, signs, miscellaneous equipment, commercial garbage bins, animals etc.  They are also extremely common. Here are some ways you can avoid them:

  • Keep your eyes on the road – if you take your eyes off the road for even a second, you’ll travel several feet without knowing what’s going on. That means it’s easier to drift off the road or hit an object.
  • Watch your speed – the faster you’re going, the longer it takes for you to stop or slow down to avoid hitting something.
  • Keep the weather in mind – if it’s raining, snowing, or sleeting, you’ll have lower visibility. The road conditions will also deteriorate, making it easier for your car to lose traction and increasing the braking distance.

Colliding with Parked Cars

Colliding with parked cars is another incredibly common form of car accident. This involves a parked vehicle getting hit by another driver. Sometimes, a driver will “hit and run,” meaning they won’t stick around to explain that they hit your car. While you can’t protect your car from hit and run accidents, you can take steps to reduce the chances of becoming a “hit and run” victim.

  • Park farther away – instead of parking in the busiest section of the parking lot, choose an area a bit farther away and well lit.
  • Give improperly parked cars room – if a car is parked unfittingly within the parking space, that means the driver will have a harder time backing out of his spot. Give him more room to maneuver out without hitting your car.
  • Park in the middle – whenever you park, ensure you park properly within the parking space markings  That way you’ll allow enough room on either side of your car for others to park and back out.

While all of these tips are easy to apply and can save you from small dings to larger crashes, not every situation is avoidable. It’s for those unavoidable accidents that we have car insurance to help cover the damages.

To learn more about how you can save money on your auto insurance premium, contact an experienced member of the Bow Valley Insurance team today for a free, no obligation quote.