I've been reading "10 ways to avoid making a claim on your car insurance" in the "Fool". These are rather prosaic - there's also this paragraph:
"According to M&S Money, these were the top five reasons for car-insurance claims last December:
1. Drove into third party;
2. Hit in rear while stationary;
3. Hit animal or object;
4. Third party emerged from side road into vehicle; and
5. Third party collided with unattended vehicle."
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