With more distractions than ever vying for drivers' attention, it's no surprise that accident stats have started trending up recently after years of decreases.

According to the National Highway Traffic Safety Administration, U.S. motor vehicle crashes in 2010 cost almost $1 trillion in terms of loss of productivity and loss of life. In 2012, the NHTSA says an estimated 2,362,000 people were injured in motor vehicle crashes, an 11% increase over the 2011 figure of 2,217,000.

This means that liability and collision claims costs are rising too. The average collision claim in 2012 was $2,950 and the average comprehensive claim was $1,585. As of 2012, the average auto liability claim was $3,073.

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