Insurance Claims That Rise With Higher Temperatures

June 14, 2017

The claims you are most likely to file in the summer

Summer is a time of fun and adventures, but a lot of the time the excitement comes with a lot of extra risk. Summer draws in the most insurance claims by vacationers, travelers, and thrill-seekers more so than any other season.

Check out this list of the most common summer insurance claims so you can avoid dealing with them this summer!

Broken Windshields

During the summer, one of the most widespread claims are shattered windshields. Repairing your windshield can be very inconvenient and costly. Broken windshields may result from a baseball flying over the fence and crashing into the glass or maybe from rocks or gravel hitting your windshield as you drive down a gravel-covered road at a camp-site or construction site.

Sunlight can also cause the glass on your windshield to crack because it heats up the metal around the glass causing the outer edges of the glass to expand faster than the middle and crack the glass. Because of this, it is best to keep your car parked in the shade or a garage to avoid this problem, especially on days with high temperatures.

Boat and RV Claims

Summer is a time we associated with road trips, camping, and boat adventures. This is the season that claims involving these forms of transport increase by approximately 30% compared to other seasons. Unfortunately, these claims are often very serious and are associated with accidents that result in serious injuries, and sometimes even deaths.

RV accidents most likely occur among drivers who are inexperienced at maneuvering large vehicles. You can take a safety class before you get behind the wheel. It’s also good practice to get the vehicle checked to make sure it’s road ready. You can also check the tires to make sure they’re inflated and create an emergency road kit that includes first aid supplied to store in the vehicle in cases of emergency.

When boating, one of the most important things you can do to improve safety is to wear a life jacket, according to Rachel Johnson, Executive Director of the National Safe Boating Council. In addition, boats collide, run into people on jet-skis, crash into rocks, or run out of gas in the middle of the lake. They are also often damaged in car accidents on the way to or from the lake, or break down due to negligence during the winter. If you own a boat, it’s best to make sure it’s well insured and in the best shape before you take it out on the lake.

Vandalism and partial-theft claims

During the summer months, vehicle thefts and vandalism are more likely to rise. The best ways to avoid becoming a victim of vehicle thefts include:

  • Parking close to your destination in well-lit areas
  • Activating a car alarm
  • Placing any valuables or unattended items and the trunk ; it helps to do this before you reach your destination so that lurking thieves will not see you
  • Ensuring you don’t leave any items visible and unattended inside the car, even if they are not valuable

Tire Blowouts

During the summer, we drive more and we drive further. Summer sees more long-distance road travel than any other season with an average of over 30 miles a day, according to a study by the AAA Foundation for Traffic Safety and the Urban Institute. With more tires on the road and more rubber contact with the road, it is natural that the risk of tire blowouts increases.

Here are the best ways to avoid tire blowouts:

  • Make sure your tires are properly inflated
  • Check the pressure of your tires every 2 weeks with a tire gauge
  • Maintain tire pressure as listed in the car’s owner’s manual
  • Regularly check for for uneven wear patterns, cracks, and sharp or foreign objects such as nails
  • Use the penny trick to ensure you have proper depth — if you can see all of Lincoln’s head your tread has worn too thin and you should replace those tires!

Sleep-related accident claims

According to the National Sleep Foundation, 60% of Americans drive when feeling sleepy and 37% have fallen asleep at the wheel before. The lazy days of summer and the effect of the rising temperature can lull people to sleep — including when they are behind the wheel.

The best way to avoid this is common sense. Don’t drive when you are tired. Make sure you get enough sleep before driving — 7 to 8 hours a night according to the Centers for Disease Control and Prevention. The National Sleep Foundation recommends pulling over and getting some rest if you show signs of being drowsy such as excessive blinking or lane drifting. When traveling with other licensed drives, a good idea is to rotate drivers and take turns behind the wheel to ensure the driver is fresh and alert at all times.

 

Contributor: Smruthi Sriram
All Images from Google