Auto insurance premiums might not be your favorite item on the monthly budget. However, when it comes time to cash in on your policy, you’ll be grateful for the investment. Here are three of the most common car insurance claims filed by drivers, including a brief explanation of how they work.

3 Common Auto Insurance Claims

1. Car Accidents

The most common auto insurance claims are caused by car accidents. Whether you were rear-ended at an intersection or accidentally scraped another car, you’ll need to file a claim to have your collision repairs covered.

After an accident, you may need a dent removed or the paint touched-up. You may also need compensation to cover possible medical bills.

2. Cracked or Chipped Windshield

A clear view is essential for a driver, especially when it comes to preventing accidents. Plus, your windshield supports the frame of your car in a rollover accident, preventing the roof from caving in. Therefore, if a tree branch or piece of hail hits your windshield, you should file an insurance claim and schedule repairs right away.

3. Theft

Auto thefts can happen anywhere. Fortunately, if your car is broken into or stolen, your auto insurance policy will kick in. Your insurer can pay you the replacement value of your car, so you can afford to buy another one. You can also report items that were inside your car when it was stolen. 

Having coverage in these situations offers drivers plenty of peace of mind. If you’re searching for the same, turn to Fritch Insurance in Beatrice, NE. This independent insurance agency has been matching clients with ideal policies for over 20 years. Whether you need to protect your vehicle or home, you can rely on their expertise. To request a quote, call (402) 223-3312 today. You can also visit the website to learn more about their services.