Does My Insurance Cover Hitting a Deer?
Driving can be a liberating experience but comes with its share of risks. Among the hazards that motorists face, colliding with a deer is common, especially in areas with dense wildlife populations. When such accidents happen, after assuring all occupants are okay, one of the first questions is whether insurance will cover the damages. This brief blog post sheds light on this topic to help you better understand how insurance typically handles deer-related collisions.
Understanding Comprehensive Coverage:
Standard auto insurance typically includes liability coverage, which covers damages to others in accidents where you’re at fault. However, when it comes to hitting a deer, liability coverage alone won’t help you with the costs of repairing your vehicle. Instead, it’s comprehensive coverage that comes into play in such scenarios.
Comprehensive coverage is optional but highly recommended, especially for drivers in regions with a higher risk of deer collisions. This type of insurance helps cover damages caused by events other than collisions with other vehicles, like hitting an animal (including deer), weather-related incidents, theft, vandalism, and more.
The Benefits of Comprehensive Coverage:
When you opt for comprehensive coverage, your insurance provider will typically assist with the cost of repairing or replacing your vehicle after a deer collision, subject to the deductible amount. The deductible is the portion of the repair costs you’ll have to pay out of pocket before the insurance kicks in.
Reviewing your policy and understanding the limits and terms of your comprehensive coverage is essential. Some insurance policies may have specific clauses or restrictions on the type of damages covered or the maximum reimbursement amount.
Steps to Take After a Deer Collision:
If you find yourself involved in an accident with a deer, it’s crucial to follow some essential steps:
- Ensure your safety: Move your vehicle to a safe spot, turn on hazard lights, and check yourself and any passengers for injuries.
- Report the incident: Call the police and your insurance provider to report the collision. Document the incident by taking photos of the damage and its location.
- Avoid contact with the animal: Injured animals can be dangerous, so it’s best to keep a safe distance until the authorities arrive.
- File a claim: Contact your insurance company as soon as possible to initiate the claims process. Provide them with all the necessary information and follow their guidance throughout the process.
While liability insurance may protect you against damages you cause to others, it won’t cover the costs of hitting a deer. To safeguard yourself from unpredictable accidents, comprehensive coverage is essential. Before purchasing a policy, make sure to understand the terms, limits, and deductibles to ensure that you have adequate protection on the road. Remember, your insurance agent is your best resource to clarify any doubts or questions about your coverage. Stay safe and drive cautiously to reduce the risk of deer-related collisions.