Technical Update vol. 30 no. 10 - Vehicle Strikes: Leading Auto Claim in 2025

Auto claims remain one of the most common sources of loss for counties, and 2025 data shows a clear trend. The most frequent auto claim reported through CTSI last year involved vehicles striking another vehicle, person, or object. These incidents accounted for 121 claims, totaling $1,029,319 in losses, with an average cost per claim of $8,507. Animal strikes were also notable, with 26 claims totaling $118,589 and an average cost of $4,561 per incident. While many of these incidents occur at low speeds or during routine travel, the costs add up quickly when vehicle damage, injuries, repairs, and downtime are considered.

These claims often occur in everyday situations, such as backing in parking lots, navigating tight spaces, turning at intersections, or operating in congested areas. Even minor collisions can result in significant repair costs, liability exposure, and lost productivity. The data underscores how small distractions or limited visibility can lead to costly outcomes.

COMMON CONTRIBUTING FACTORS

A review of recent claims points to several recurring causes:

• Backing incidents in parking lots or job sites
• Distracted driving (including phone use or in-vehicle technology)
• Limited visibility around large county vehicles or equipment
• Failure to maintain a safe following distance
• Misjudging space when maneuvering in tight areas
• Driver fatigue or rushing between assignments
  

Many incidents occur at low speeds, which can create a false sense of security. However, even low-speed collisions can result in property damage or injuries that lead to claims.

BEST PRACTICES TO REDUCE RISK

Counties can take proactive steps to reduce the frequency and severity of these types of claims. Reinforcing safe driving habits and consistent vehicle procedures can help minimize preventable incidents.

Driver awareness and training:

• Encourage defensive driving practices and regular safety refreshers
• Reinforce the importance of eliminating distractions while driving
• Remind drivers to slow down and allow extra time between stops

Backing and parking safety:

• Use spotters when backing in congested or unfamiliar areas
• Back into parking spaces when arriving to improve visibility when leaving
• Perform a quick walk-around before moving a vehicle

Vehicle and equipment checks:

• Ensure mirrors and backup cameras are properly adjusted and working
• Report vehicle damage or mechanical issues promptly
• Keep windshields, mirrors, and sensors clean for clear visibility

Operational planning:

• Allow adequate travel time to reduce rushing
• Evaluate routes and job site access for tight spaces or hazards
• Reinforce safe driving expectations across all departments

WHAT THIS MEANS FOR COUNTIES

While individual claims may seem minor, the cumulative cost of frequent vehicle incidents can significantly impact county budgets and Pool resources. Reducing preventable collisions helps control costs, limit downtime, and protect county employees. Consistent training, clear expectations, and routine vehicle checks can make a measurable difference. By focusing on everyday driving habits and awareness, counties can help reduce the likelihood of vehicle-related claims and support safer operations across departments. For additional guidance on driver safety training or loss prevention strategies, contact the CTSI Loss Control team at (303) 861-0507.