Top Car Insurance Claim Trends This February – Data, Cases and Rate Shifts

Claims data from the first week of February 2026 reveals a surge in weather-related incidents and a new trend in minor collision severity. Here is what the data tells us about the current state of car insurance claims.

Rising Severity of Minor Collisions

Interestingly, while the number of accidents hasn't increased significantly, the cost per claim is up 12% this February. This is largely due to the integration of cameras and Lidar sensors in standard vehicles, turning simple fender-benders into high-tech repair jobs.

Notable Case Studies

Recent reports show that even a small parking lot tap on a 2026 model year vehicle can trigger a $4,000 claim if the sensor array requires recalibration. Carriers are responding by increasing collision premiums for tech-heavy models.

warning Safety Alert

We are seeing a 15% increase in "hit and run" claims in urban centers this month. Ensure your Uninsured Motorist coverage is up to date.

Rate Shifts Following Claim Surges

Expect localized rate hikes in areas where winter storms have caused multi-vehicle pileups. Insurers are moving faster than ever to adjust premiums based on 30-day claim cycles.