It has happened to most of us. You’re in a parking lot, or backing into the street, or making a sudden stop on the road. Someone bumps into you and leaves your rear fender dented or crumpled. Sometimes, it may be the other way around, and you end up hitting someone else from behind. Fender benders are common enough that taking precautions against them can be well worth the investment in technology, time, and training.
The vast majority of motor vehicle accidents are commonly called “fender benders.” Minor accidents that involve damage to the rear bumper seldom cause injury, but their prevalence is still worrisome. In 2013, the statistics on rear-end collisions were as follows:
- Rear-end crashes totaled to 1.8 million in 2013
- This was 32.2% of the total number of crashes in that year
- 3 million rear-end crashes resulted in property damage only
The majority of rear-end crashes in 2013 did not result in injuries of any kind. However, the costs of repairs after these accidents can get fairly high, especially with respect to insurance.
Insurance Premium Increases from Fender Benders
The costs of a fender bender may prompt you to file an insurance claim. However, depending on where you live, the increase in your insurance premiums from filing a claim might make it preferable to pay for the repairs yourself. The stats for the most expensive states as of 2015 are:
- Massachusetts: One claim averages a 76% increase from an average annual premium of $977
- California:4% increase from $750
- New Jersey:4% increase from $1,220
- North Carolina:7% from $611 annual costs
- Minnesota:9% from $719
- South Dakota:8% increase from $557
- Iowa:6% from $561
- Washington:5% from $810
- New Hampshire:5% from $717
- Virginia:5% from $692
These higher insurance costs can be far more expensive in the long run than simply taking care of the repairs yourself if you live in the states mentioned above. However, other states are not as costly on average:
- Maryland: Only a 21.6% increase from an average annual premium of $996
- Michigan:4% from $1,049 annually
- Montana:6% increase from $658
- Oklahoma:6% from $737
- Mississippi:9% from $748
- Nebraska:6% from $617
- New York:8% from $1,152
- Missouri:9% increase from $684
- Alabama:6% from $659
- Maine:6% from $659
In the United States as a whole, the average insurance increase from a fender bender is about 41%, averaging an increase from $815 in annual premiums to $1,150 after a single $2,000 claim.
Preventing Fender Benders
Forward collision detection technology can protect you from common fender benders as well as more serious accidents. To learn more, contact Safe Drive Systems today.