Where you drive affects the risks you face.
Claims for hail damage more than doubled in 2011 compared with the previous three years. Hail claims are primarily concentrated in the Midwest, with states such as South Dakota, Nebraska, Kansas, and Oklahoma having consistently high rates. However, hail claims occur almost everywhere, and in some states the frequency varies greatly from year to year. (Vol. 29, No. 3 | April 2012)
Animal strike claims typically rise dramatically in the fall, peaking in November. This analysis of claims from 2006 through 2011 shows claim frequency in November was more than twice the average for the study period and nearly 4 times the average for August, when such claims are least likely to be made. Although information on the type of animal involved is not available, most of these crashes are believed to involve deer, and the peak in claim frequency coincides with their mating season. West Virginia, Iowa, and Pennsylvania have the highest November claim frequency for animal strikes of all the states. (Vol. 29, No. 2 | April 2012)
©1996-2013, Insurance Institute for Highway Safety, Highway Loss Data Institute | www.iihs.org
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