7. Animal collisions

(Credit: Robert Nyholm/Shutterstock)

6. Vandalism

(Credit: Henner Damke/Shutterstock)

5. Theft

(Credit: Daniel Jedzura/Shutterstock)

4. Windshield damage

(Credit: Roman Zaiets/Shutterstock)

3. Back injuries

(Credit: Albina Glisic/Shutterstock)


2. Whiplash

(Credit: tommaso79/Shutterstock)

1. Fender benders

(Credit: Robert Crum/Shutterstock)

Benjamin Franklin once wrote, “In this world, nothing can be said to be certain, except death and taxes.” If he was still alive today, he might amend his statement to include filing an auto insurance claim.

No matter how safe of a driver you are, there will come a time when you need to file an auto insurance claim. There’s only so much an insured can control when they’re behind the wheel with all the external variables that exist in our unpredictable world.

For example, adverse weather conditions could cause someone to damage an insured’s parked car. Or a distracted driver could simply hit an insured’s car and cause their rates to go up, even though the insured was adhering to the rules of the road. A number of scenarios like these can happen at any time, which is why a comprehensive personal auto policy is a must.

While preparing for every scenario is impossible, knowing what scenarios are more likely to occur can make a difference — especially when evaluating whether or not the coverage for a vehicle will apply.

According to AutoInsurance.org, there are seven common auto insurance claims; knowing these claims can help insureds make a conscious effort to avoid some of these situations. With this in mind, explore the slideshow above for the seven most common auto insurance claims.