No matter how carefully you drive, you cannot account for other motorists or the whims of fate. However, you can take steps to minimize your risk of an accident. Below are some of the most common auto insurance claims and how to circumvent them. 

Top 3 Auto Insurance Claims

1. Rear-End Collisions

Many minor accidents involve a vehicle stopping suddenly, leading to the car behind the running into their back end. In most jurisdictions, the rear driver is almost always held responsible. You can avoid being this driver by always leaving plenty of room between you and the car in front of you.

To make sure you maintain enough space, pick a landmark on the side of the road and start counting seconds after the car in front of you passes it. Adjust your speed so you don't pass the same spot for three seconds. In snowy, icy, or rainy conditions, leave eight to 10 seconds of distance.

2. Theft

You can minimize the chances of your car being stolen by installing an anti-theft device. Even something simple like a steering wheel lock is effective. It is inexpensive and acts as a visual deterrent against intruders.

Never leave valuables in the passenger compartment and always lock your doors when you leave the vehicle.

3. Windshield Cracks

Cracked windshields often occur when stones are kicked up by passing cars or debris falls off a gravel truck. Such events are unpredictable, but you can reduce your risk by steering away from gravel-laden trucks on the highway. Move over a lane, speed up, or slow down to stay clear of falling objects. Avoid driving on gravel roads when possible as well.

For better protection, make sure you carry comprehensive auto insurance coverage, which pays for non-collision damages like stone chips.

For affordable auto insurance and exceptional customer care, contact Allstar Insurance in Lincoln, NE. They have served Lancaster County since 1995 and also specialize in homeowners, renters, SR-22, RV, and motorcycle insurance. You can find out more about the company on their website or call (402) 477-0900 to request a quote.