Summary Highlights:
- Fender benders, windshield damage, and theft are among the most common auto insurance claims.
- Arizona’s unique climate makes weather-related claims like hail or flash flood damage increasingly frequent.
- Premier Choice Insurance guides policyholders through every step of the claims process to ensure fast, stress-free resolutions.
- With access to multiple carriers, we help you get the best possible outcome with fair compensation and responsive service.
What Are the Most Common Auto Insurance Claims in Arizona?
Auto insurance claims can vary, but across Arizona, we frequently see a few leading causes. According to industry data and our own experience at Premier Choice Insurance, these are the most reported types:
Collision Claims: Fender benders, rear-end crashes, and parking lot incidents top the list. These usually involve repairs to your vehicle and sometimes another driver’s, depending on fault.
Comprehensive Claims: This includes damage from hailstorms, flash flooding, falling debris, vandalism, and car theft—all common in Arizona’s extreme weather and urban areas.
Windshield and Glass Damage: Rocks on the highway or debris during monsoons make cracked or shattered windshields a daily issue.
Bodily Injury Liability: If someone is hurt in an accident you caused, this coverage kicks in to handle medical bills and legal expenses.
Uninsured/Underinsured Motorist Claims: Sadly, some drivers in Arizona carry no insurance or insufficient coverage. This protection helps you recover when they can’t cover damages.
How Does the Auto Insurance Claims Process Work?
Filing an auto insurance claim can feel overwhelming—especially when you’re dealing with stress after an accident or unexpected vehicle damage. That’s why working with an experienced agent, like the team at Premier Choice Insurance, can make all the difference. We help simplify the process and ensure you’re never left guessing.
Here’s what the typical claims process looks like:
1. Report the Incident
As soon as an accident or incident occurs, your first step is to contact either us or your insurance carrier to report it. The sooner you do this, the faster the claims process can begin. Whether it’s a fender bender, vandalism, or weather-related damage, prompt reporting helps avoid delays.
2. Gather Documentation
We assist you in collecting everything needed to support your claim. This may include photos of the damage, a copy of the police report (if applicable), witness statements, and repair estimates. Proper documentation helps ensure an accurate and timely evaluation.
3. Adjuster Review
Once the claim is submitted, an insurance adjuster is assigned to evaluate the damage and determine the value of the claim based on your policy coverage. The adjuster may visit in person or review documentation remotely, depending on the situation.
4. Vehicle Repair and Reimbursement
You can take your vehicle to a repair shop of your choice or a preferred provider recommended by your insurer. After repairs are approved and completed, the insurance company issues payment for the covered amount—either directly to the shop or to you.
Our car insurance agents will guide you through this process, ensuring that nothing is missed.
How Can Premier Choice Insurance Help With Your Claim?
At Premier Choice Insurance, we go beyond just selling policies—we advocate for you when you need support the most. Here’s how we help:
- We explain your coverage upfront so you know what’s included (and what’s not).
- We act fast: When a claim arises, we help you file it promptly and accurately.
- We coordinate with carriers and repair shops to minimize delays.
- We review settlement offers to make sure you’re getting what you’re entitled to.
By working with multiple trusted insurance carriers, we make sure you receive responsive assistance and a clear path to resolution—no guesswork, no runaround.
Why Is It Important to Know the Most Common Claims
Understanding the most frequent types of claims can help you make smarter, more informed decisions when choosing your coverage. For example, Arizona’s harsh climate—characterized by dust storms, monsoons, and extreme heat—makes comprehensive coverage essential, especially if you’re shopping for auto insurance for new cars that need full protection from the start.
Additionally, uninsured motorist coverage is critical in areas with high accident rates and a significant number of uninsured drivers. Knowing these risk factors allows you to tailor your policy to your actual exposure, ensuring you’re not underinsured when it matters most.
File Smarter, Drive Safer
Auto insurance claims don’t have to be frustrating or confusing. Whether it’s a minor dent or a total loss, Premier Choice Insurance helps you every step of the way—so you can focus on what matters most: getting back on the road.
Ready for coverage that comes with real support? Contact Premier Choice Insurance today for a personalized auto insurance quote.
FAQs About Auto Insurance
The minimum coverage required by law typically includes liability insurance, which covers bodily injury and property damage you may cause to others in an accident. Premier Choice Insurance can help you understand the specific requirements and ensure you meet legal standards.
Premier Choice Insurance calculates auto insurance premiums based on factors like your driving history, vehicle type, location, and chosen coverage types. Additional factors such as your credit score and past insurance claims may also influence the rate.
Yes, Premier Choice Insurance offers various auto insurance discounts, including multi-policy discounts, safe driver discounts, and discounts for anti-theft devices installed in vehicles.
Comprehensive coverage protects against damages to your vehicle not caused by a collision. This includes theft, vandalism, fire, natural disasters, and hitting an animal.
To file a claim, contact Premier Choice Insurance’s claims department as soon as possible after an accident. Provide all necessary documentation and cooperate fully during the claims process to ensure a smooth resolution. To file a claim, contact Premier Choice Insurance’s claims department as soon as possible after an accident. Provide all necessary documentation and cooperate fully during the claims process to ensure a smooth resolution.
Yes, Premier Choice Insurance offers optional roadside assistance coverage, which includes services like towing, flat tire changes, battery jump starts, and lockout assistance.
After ensuring everyone’s safety and calling emergency services if needed, gather information from all parties involved and document the scene with photos. Then, report the accident to Premier Choice Insurance as soon as possible.
Absolutely, Premier Choice Insurance allows you to customize your auto insurance policy with various add-ons and adjustments to meet your specific needs and budget.
It’s advisable to review your auto insurance policy annually or whenever there are significant changes in your driving situation or vehicle ownership.
Gap insurance covers the difference between the actual cash value of a vehicle and the balance still owed on the financing. Premier Choice Insurance offers gap insurance as an optional addition to your auto insurance policy.
About Premier Choice Insurance
Premier Choice Insurance, headquartered in the heart of Mesa, AZ, stands at the forefront of delivering comprehensive business insurance solutions tailored to the unique needs of companies across Arizona. As an esteemed independent insurance agency, we aim to safeguard your business’s future, ensuring peace of mind against life’s unforeseen events.
Our dedication to excellence is reflected in our wide-ranging services, including but not limited to general liability insurance, commercial property insurance, professional liability (errors and omissions) insurance, workers’ compensation, and commercial auto insurance. We specialize in crafting customized insurance packages that align perfectly with your business’s requirements, ensuring robust protection for your assets, employees, and operations.
Premier Choice Insurance offers access to an impressive portfolio of over 50 reputable insurance carriers. This vast network enables us to provide our clients with competitive pricing and diverse coverage options, making us a premier choice for insurance in Mesa and throughout Arizona. Our local market expertise and industry-specific knowledge allow us to offer effective and cost-efficient advice and solutions.
Our team at Premier Choice Insurance is driven by a commitment to integrity, transparency, and unmatched customer service. We understand the complexities of insurance and strive to make the process as straightforward and hassle-free as possible. From risk assessment consultations to claims support, we stand by our clients every step of the way.
As active members of the Mesa community, we believe in giving back and are involved in various local initiatives and non-profits. This community focus reflects our belief that businesses thrive in a supportive and engaged environment.
Premier Choice Insurance offers a blend of local expertise, personalized service, and comprehensive solutions for business owners seeking a trusted partner to navigate the complexities of insurance coverage. We are not just your insurance agency but your ally in business resilience and success.
Discover how Premier Choice Insurance can protect what matters most. Contact us today to learn more about our services and how we can tailor the perfect insurance strategy for your needs.
Visit our Mesa, AZ, Insurance Office today.
