As a driver in Chicago, it is important to have comprehensive auto insurance coverage to protect yourself in the event of an accident. However, accidents can happen at any time, and you may end up filing an auto insurance claim. Here are the top five most common Chicago auto insurance claims.
1. Rear-end collisions
Rear-end collisions are the most common type of accident in Chicago and account for a significant number of auto insurance claims. In most cases, the driver who hits the car in front of them is considered at fault. Chicago auto insurance policies typically cover the damage caused by a rear-end collision, including repairs or replacement of the car.
2. Theft
Car theft is also a prevalent issue in Chicago, and auto insurance policies typically cover theft. In this case, the insurance company will pay for the replacement of the car or reimburse you for its value. You can also opt for comprehensive coverage, which covers theft, as well as other types of damage, such as fire or vandalism.
3. Hail damage
The city of Chicago is known for its unpredictable weather, which can include severe hailstorms. If your car is damaged in a hailstorm, your auto insurance policy should cover the cost of the repairs. However, it is essential to have comprehensive coverage to ensure that you are protected in case of any weather-related damage.
4. Hit and run accidents
Hit and run accidents are unfortunately common in Chicago, and they can leave you with significant damages and medical bills. If you are involved in a hit and run accident, you should contact the police and your insurance company immediately. Chicago auto insurance policies typically cover hit and run accidents, and your insurance company will help you file a claim and get the compensation you deserve.
5. Fender benders
Fender benders are minor accidents that occur at low speeds and typically involve dents or scratches to the car. However, even minor accidents can cost you hundreds or even thousands of dollars in repairs. Chicago auto insurance policies should cover the damages caused by a fender bender.
In conclusion, as a driver in Chicago, it is essential to have auto insurance coverage to protect yourself in case of an accident. The top five most common auto insurance claims in Chicago include rear-end collisions, theft, hail damage, hit and run accidents, and fender benders. By choosing the right coverage, you can ensure that you are protected and have peace of mind while on the road.
