I Hit A Deer Does Insurance Cover

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Post on Nov 19, 2024

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I Hit a Deer: Does My Insurance Cover It?

So, you've been in an accident. You hit a deer. Now what? The immediate aftermath is likely stressful, but understanding your insurance coverage can significantly ease the burden. This comprehensive guide will walk you through what to expect when you've hit a deer and whether your insurance will cover the damages.

Does Car Insurance Cover Deer Accidents?

The short answer is: it depends. While not every car insurance policy automatically covers collisions with animals, many do, to varying degrees. The specifics depend on several factors, including:

• Your specific policy: Carefully review your policy documents. Look for sections detailing "comprehensive coverage" or "other than collision" coverage. These are the parts of your policy that typically address damage caused by animals, not just other vehicles.
• Your deductible: Even if your policy covers deer-related damage, you'll likely have a deductible to pay. This is the amount you're responsible for before your insurance kicks in.
• State laws: Some states have specific laws regarding animal-related collisions. Understanding your state's regulations is crucial.
• The extent of the damage: Minor scratches might not be worth filing a claim for, while significant damage will almost certainly require insurance intervention.

Types of Coverage and Deer Accidents:

Let's break down the common types of car insurance coverage and how they apply to hitting a deer:

Comprehensive Coverage: Your Best Bet

Comprehensive coverage is your best friend in this situation. This type of insurance covers damage to your vehicle caused by events other than a collision with another vehicle. This includes things like:

• Hitting an animal (like a deer): This is where comprehensive coverage shines. It will typically cover repairs or replacement costs, minus your deductible.
• Hail damage:
• Vandalism:
• Fire:
• Theft:
• Natural disasters:

Key Takeaway: If you want protection against animal collisions, ensure you have comprehensive coverage.

Collision Coverage: Not Usually Applicable

Collision coverage only pays for damages resulting from a collision with another vehicle or an object like a tree or telephone pole. It generally doesn't cover damage caused by hitting a deer.

Uninsured/Underinsured Motorist Coverage: Irrelevant in This Case

This type of coverage protects you if you're hit by an uninsured or underinsured driver. It's not relevant to deer accidents.

What to Do After Hitting a Deer:

1. Ensure your safety: Check yourself and your passengers for injuries. Call emergency services if needed.
2. Assess the damage: Take photos of the damage to your vehicle and the deer, if possible (and safe to do so).
3. Move your vehicle to a safe location: If possible, move your vehicle off the road to prevent further accidents.
4. Report the accident: Contact your local authorities to report the incident. This is crucial for both safety and insurance purposes.
5. Contact your insurance company: Report the accident to your insurance company as soon as possible. Provide them with all the necessary information, including police reports and photos.

Minimizing Costs and Maximizing Coverage:

• Consider your deductible: A higher deductible will result in lower premiums, but you'll pay more out-of-pocket if you file a claim. Weigh the pros and cons carefully.
• Shop around for insurance: Compare quotes from different insurers to find the best coverage at the most affordable price.
• Maintain a good driving record: A clean driving record can lead to lower insurance premiums.

Conclusion:

Hitting a deer is an unfortunate event, but understanding your insurance coverage can help you navigate the situation more effectively. Remember to review your policy, prioritize comprehensive coverage, and follow the steps outlined above after an accident. By being prepared and proactive, you can minimize the stress and financial burden of such an incident. Always remember to prioritize safety first.