Top 5 Most Common Car Insurance Claims

“Don’t tempt fate too often, or it’ll catch up with you,” my grandmother used to say — and she wasn’t wrong. In more technical terms, she was referring to the value of statistics and probabilities when making informed decisions.

That’s exactly what this article aims to do: show you the five most common car insurance claims and help you evaluate whether your current policy truly protects you from these frequent risks.

1. Rear-End Collisions

According to FLHSMV, there are about 1,080 traffic accidents in Florida each day, and the most common insurance claim is for rear-end collisions.

Leading causes:

• Not maintaining a safe following distance
• Distracted driving, especially due to phone use
• Speeding

These may seem like minor accidents, but the repair costs can be high if you don’t have collision coverage in your policy.

2. Windshield Damage

The most frequent cause of windshield cracks is debris or gravel kicked up by other vehicles — particularly trucks.

To reduce risk:

• Keep a safe distance from large vehicles
• Check if your policy includes glass coverage. Some insurers offer this with no deductible.

3. Damage to Parked Vehicles

Few things are more frustrating than returning to your parked car only to find it damaged — a broken mirror, dented door, or smashed light.

Tips to avoid this:

• Avoid tight spaces and busy corners
• Park in well-lit areas
• Make sure your collision coverage includes parked vehicle incidents

4. Vandalism

Vandalism is a growing concern. Broken windows, stolen items, or missing parts like catalytic converters (especially in SUVs and trucks) are common claims.

Prevention tips:

• Don’t leave valuables in plain sight
• Park in monitored or well-lit areas
• Comprehensive coverage can protect you in these scenarios

5. Intersection Accidents

Crashes at intersections often have serious consequences and are another top claim type.

Common causes include:

• Running red lights
• Trying to beat a yellow
• Failing to fully stop at stop signs

A full stop and cautious observation at every intersection can prevent serious accidents.

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Stay Ahead of Risk with the Right Coverage

Statistics don’t lie: as a vehicle owner, you face daily risks. The best defense is prevention and having proper car insurance coverage.

Call Univista Insurance today at (305) 995-0032 and talk to one of our experts. We’ll help you get the coverage you need — without breaking the bank.