The Most Common Insurance Claims in Texas Are Easily Avoidable

Andrew Koole
Jan 19, 2022 · 3 min read
Everyone knows that one of the most effective ways to keep your car insurance premiums low is to avoid making claims. And while this isn’t always possible, keeping your focus on the road and driving cautiously can help you dodge the most common types of claims.
In Texas, the three most common types of claims are fender benders, collisions while backing up, and hail damage. Both types of collisions are often the result of drivers not paying enough attention or being distracted by their devices.
The claims made because of backup mishaps and fender benders can get pretty expensive. And the more expensive and more regularly they occur, the higher your premiums will rise. But Jerry has some advice on how to stop these types of accidents from occurring.
A car driving down a highway in Dallas, Texas.
Common insurance claims in Texas mirror the rest of the country.

The best tool for avoiding common insurance claims: your attention

Fender benders are the most common type of claim in Texas. AAA says they represent 18% of the claims made in the state and can cost over $13,000 each. To make up for this cost, insurance companies increase the insurance premiums of the people causing these accidents.
The easiest and most effective way to keep yourself out of this group is to keep your eyes on the road at all times while you’re driving. For obvious reasons, distracted drivers are the primary culprits for bumping into the vehicles in front of them.
Smartphones are the most common sources of distraction in the car, but they aren’t the only ones. Food, radios, and passengers can also take your mind and eyes off of the road in front of you. 
KXAN says it only takes two seconds without looking for you to double your chances of getting in an accident.

Tips for staying focused while driving

The consequences of using your device while driving are a popular talking point for local police, car insurance companies, and road safety awareness organizations. That’s because it causes a lot of accidents.
But keeping your hands and eyes off your phone isn’t the only thing you can do to avoid getting into a fender bender. Other preparations can also help you avoid getting in car crashes and save you money in the process.
Choosing your route and entertainment before heading out, eating at home or while parked, and reminding other people in the car to limit their distractions can make the difference between getting from point A to point B without issue and causing an accident that costs you thousands.

Keeping car insurance low after making a claim

If you haven’t managed to avoid making a car insurance claim, you might’ve felt relieved when your insurance covered the cost of the incident. But when it comes time to renew your policy, you can expect the cost of coverage to rise significantly.
Thankfully, renewal time also gives you the option to switch companies. And doing so can save you a lot of money. 
If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, don’t be. Jerry does all the paperwork for you and even helps cancel your old policy! 
And if you have any questions along the way, just text one of our agents through the app. They will always be there to assist you.

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