Sometimes, unexpected things happen while you’re on the road or at home.

You could be involved in a collision on your way home from work or the grocery store, or a flooded sewer could backup into your home's basement after a heavy rainfall. Either incident may have an impact on your car insurance or home insurance policy.

According to Murphy’s Law, anything that can go wrong, will go wrong. Call Murphy an optimist if you like, but there are many things you can do to avoid getting into a car accident such as driving defensively, as well as ensuring your dwelling is adequately protected by taking preventative measures.

Nevertheless, when things do go awry, that's when your insurance coverage can help. Sometimes though, you might wonder if submitting a claim is in your best interest or if you're even covered.

Take the RATESDOTCA quiz to learn more about your coverage, insurance claims, and their potential impact on your premiums.