Most Common Auto Insurance Claims in Nevada and How to Avoid Them

Nevada drivers face unique road risks, from heavy tourist traffic to long desert highways and unpredictable weather. As a result, certain auto insurance claims occur far more often than others. Knowing the most common auto insurance claims in Nevada, and how to avoid them, can help you stay safer on the road and keep your insurance costs under control.

1. Rear-End Collisions

Rear-end accidents are the most common auto insurance claim in Nevada, especially in congested areas like Las Vegas and Reno. Sudden braking, distracted driving, and tailgating are major contributors.

How to Avoid It:

• Maintain a safe following distance
  
  
• Stay alert in stop-and-go traffic
  
  
• Avoid phone use while driving
  
  
• Anticipate traffic slowdowns early
  
  

2. Parking Lot Accidents

Busy parking lots at casinos, shopping centers, and events lead to frequent low-speed accidents. These claims often involve backing up, tight spaces, or unclear right-of-way.

How to Avoid It:

• Park farther away where traffic is lighter
  
  
• Back into parking spaces when possible
  
  
• Drive slowly and stay alert for pedestrians
  
  
• Use mirrors and backup cameras carefully
  
  

3. Sideswipe Accidents and Lane-Change Collisions

Highway driving and multilane roads contribute to sideswipe accidents, especially when drivers fail to check blind spots or signal properly.

How to Avoid It:

• Always signal before changing lanes
  
  
• Check mirrors and blind spots
  
  
• Avoid lingering in other drivers’ blind spots
  
  
• Be extra cautious during rush hour
  
  

4. Hit-and-Run Accidents

Hit-and-run incidents are unfortunately common in Nevada, particularly in urban and tourist-heavy areas. These claims often require uninsured motorist coverage to resolve.

How to Avoid It:

• Park in well-lit, secure areas
  
  
• Install a dash cam
  
  
• Carry uninsured motorist coverage
  
  
• Document accidents immediately if they occur
  
  

5. Weather-Related Accidents

Although Nevada is known for its dry climate, rain, wind, dust storms, and icy conditions in northern Nevada can cause sudden road hazards.

How to Avoid It:

• Reduce speed during poor weather
  
  
• Maintain proper tire tread
  
  
• Use headlights in low visibility
  
  
• Avoid driving during severe dust storms when possible
  
  

6. Animal Collisions

Rural highways and desert roads increase the risk of hitting wildlife, particularly at night.

How to Avoid It:

• Slow down in posted wildlife zones
  
  
• Use high beams when safe to do so
  
  
• Stay alert during dawn and dusk
  
  
• Avoid swerving abruptly to miss animals
  
  

Why Avoiding Claims Matters

Even minor auto insurance claims can lead to higher premiums over time. While Nevada law requires minimum liability coverage, carrying adequate coverage—such as collision and uninsured motorist protection—can help protect you financially when accidents happen.

Final Thoughts

Auto accidents can happen to even the safest drivers, but understanding the most common auto insurance claims in Nevada can help you reduce risk and drive more confidently. Defensive driving, proper vehicle maintenance, and the right insurance coverage all play a key role in protecting you on the road.

Reviewing your auto insurance policy regularly ensures you’re properly covered for Nevada’s driving conditions and helps you avoid costly surprises after an accident.