Damage to vehicles, vandalism and theft are the commonest reasons that policyholders make a car claim. Malicious damage to paintwork from scratching with a key is the most common type of vandalism. For personal injury, whiplash from rear end shunt, injury to the face from shattered windscreen and other soft tissue injuries form the majority of claims.
Having a smashing time
The AA’s British Insurance Premium Index tracks changes to the cost of all kinds of insurance premiums. Car claims to the AA jumped by almost 40% in the snow and ice conditions that gripped the UK in January. Surprisingly, the percentage of claims for personal injury in road accidents tends to fall on snowy days because drivers take extra care behind the wheel.
Car Claim Top Five
Parked cars came off worst in bad weather, as moving vehicles hit them when they lost control. Rear end shunt was the second commonest incident, followed by hitting the kerb, hitting a lamp post or other street furniture and finally smashes at junctions.
In 2013, car insurance premiums for women are likely rise by as much as 40%, as the EU Directive which says women must pay the same premium levels as men kicks in.
Black Box Technology
Drivers can mitigate the rising cost of car insurance by having new “black box” technology installed in the car which records their driving habits and uses the data to calculate their safe driving habits, which can help to obtain a lower premium.
Of course, the best way to keep your car insurance premiums down is to avoid having a car claim altogether and to protect your no-claims bonus.
If you have had a road traffic accident and you need to make a claim for personal injury, contact Accident Advice Helpline and find out if your claim is eligible.
Date Published: March 10, 2013
Author: David Brown