The Top Commercial Auto Insurance Claims and How to Avoid Them
Rear-end collisions are a common commercial auto insurance claim. To avoid these types of accidents, drivers should maintain a safe following distance, pay attention to the road and traffic ahead, and avoid distractions while driving.
Collision with Fixed Objects:
Collisions with fixed objects such as walls, poles, and buildings are another common commercial auto insurance claim. To avoid these types of accidents, drivers should take extra care when driving in tight spaces, such as parking lots, and avoid distractions while driving.
Accidents with Pedestrians or Bicyclists:
Accidents with pedestrians or bicyclists can result in serious injuries and costly insurance claims. To avoid these types of accidents, drivers should be vigilant when driving in areas with heavy foot or bike traffic, obey traffic laws, and give pedestrians and bicyclists plenty of space when passing them on the road.
Damage to Property:
Damage to property, such as other vehicles or structures, is another common commercial auto insurance claim. To avoid these types of accidents, drivers should take extra care when parking or maneuvering their vehicles in tight spaces and be aware of their surroundings at all times.
Theft and Vandalism:
Theft and vandalism are also common commercial auto insurance claims. To avoid these types of losses, drivers should lock their vehicles when they are not in use and avoid leaving valuable items in plain sight.
In addition to these specific types of claims, it’s important to implement a comprehensive risk management program that includes regular vehicle maintenance, driver training and screening, and monitoring of driver behavior. By taking proactive steps to reduce risk, businesses can avoid costly insurance claims and keep their insurance premiums under control.