September 23, 2019

What’s the most frequent insurance claim for Kentucky cities?

What’s the most frequent insurance claim for Kentucky cities?  



It may surprise you. Driving. Vehicle-related accidents are notorious cost “drivers,” not just for municipalities and businesses, but for individuals. With the continued risks (and costs) of accidents due to distracted driving, all of us will likely see our personal auto insurance rates go up.

Check out the KLC Insurance distracted driving video series for employees.   They are free and available to all municipalities.  

Traffic accidents are also the most reported type of claim for the Kentucky League of Cities Insurance Services. Backing up mishaps are the most frequent claim, which is why KLCIS loss control consultants constantly preach on the importance of backing into spots or driving through parking spaces so vehicles will be ready to pull out going forward. This practice alone can prevent a lot of accidents and is a model policy suggested for all police departments insured by KLC.

The other big issue is distracted driving. Every day, at least nine Americans die and 100 are injured in distracted driving crashes. Cell phones, dashboard touch screens, voice commands and other in vehicle technologies pose a threat to our safety. Consequences of those distractions are not worth the convenience they offer. Overall, driving accidents are a big liability for cities. Traffic accidents are the leading cause of workplace fatalities. Beyond the tragic human toll, driving accidents cost the U.S. economy more than $100 billion annually.

KLC wants to help employees improve driving outcomes. Members asked for a resource and KLCIS delivered. KLCIS has created short and viewer-friendly videos to educate your employees on safe driving habits and help your organization reduce risk and claims.

The videos are available at for any municipality to use, whether or not they are KLCIS members. There are two different series to use so you can rotate content year to year. These videos are a great tool for all employees because they provide important information and simple reminders for anyone who drives — on or off the job. For KLCIS members, documented annual employee viewership of either module series will meet the defensive driving criteria for the KLCIS liability review. Please encourage your employees to watch the KLCIS driving videos annually.

Simple steps and common sense can make a big difference in terms of safety for your employees and your citizens who share the streets.