Here we will look at the five most common car insurance claims that were made in 2013 along with some suggestions as to how you might avoid being included in similar statistics for 2014. Making an insurance claim is never a pleasant business, and it can affect your no claims discount.
Contrary to popular opinion, most of the claims that car insurance companies pay out are not for major collisions, in fact payouts on major collisions are a relatively small part of the cost of car insurance. Most claims are for relatively minor accidents and damage, much of which could be avoided with the result that the cost of car insurance would be reduced considerably.
Minor bumps were the most common reason for making car insurance claims in 2013. More often than not these are low speed collisions that occur when drivers lose their concentration in the misguided belief that they are entirely safe and able to relax. These collisions are likely to occur on empty country roads and car parks. Which is why ensuring you have car insurance in place is so important as well as finding the right provider for you.
If is important to always be aware of what you are doing, of what is around you and to always keep complete control of your car. Just because you are driving round a car park at 10 mph doesn’t mean that you can relax any more than you would driving on a motorway at the national speed limit.
Damage while reversing
Damage that happens while reversing is the second most common reason for making a claim. Generally this is because the driver it unaware of an object that is behind the car and not visible through the rear view window.
When you intend to reverse the car, you should be careful to ensure that there are no obstacles behind you. If you are unsure, then get out of the car and have a look. If you have trouble reversing you can install parking sensors on cars now too.
Rear shunts were another of the top five most common reasons for car insurance claims in 2013. Frequently these occur in slow moving traffic when the driver behind loses concentration and shunts the car in front.
Even when you are in slow moving traffic you should keep your distance from the car in front and maintain awareness of what is going on around you. If you feel that you are being followed too closely by the car behind, then leave a larger gap between you and the car in front so that you won’t be shunted into it.
2013 was a peak year for whiplash injury claims. Although most rear shunts were accidental, some of the more expensive ones were staged as part of a whiplash injury scam. The scam involves waiting until the car is being closely followed by another car then hitting the breaks very hard. The “injured” party in the leading car then uses a solicitor to claim for whiplash injury. These claims can run into many thousands of pounds and can affect both your no claims discount and insurance premium.
You can avoid being caught in this scam by always leaving sufficient distance from the car in front so that if it should stop suddenly you have time to break and avoid colliding with it. You might also consider installing a windscreen video camera.
Windscreen damage is always a top common reason for insurance claims. Often this is result of impact with projectiles such as road debris and small stones that are used in cheap road resurfacing operations.
The answer is to never drive faster than 20 mph on recently grit resurfaced road and to always leave a safe gap between you and the car in front. Also minor windscreen damage can often be repaired for free, thus avoiding the need to claim on your insurance.