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Executive Order for Policyholder Payments
As autumn approaches and the days get shorter, many drivers face an increased risk of encountering wildlife on the road—especially deer. According to the research, thousands of accidents involving deer occur each year, leading to injuries, vehicle damage, and even fatalities. If you're concerned about the financial implications of hitting a deer, understanding your car insurance policy is crucial. In this blog, we'll explore whether car insurance covers hitting a deer and what you need to consider.
When it comes to car insurance, there are several types of coverage that can come into play:
Liability insurance is designed to cover damages you may cause to others in an accident. However, it does not cover damages to your own vehicle, including those from hitting a deer.
Collision coverage is specifically intended to cover damages to your own vehicle resulting from a collision, regardless of fault. If you have collision coverage, hitting a deer would typically be covered under this policy. You would need to pay your deductible, and your insurance would cover the remaining repair costs.
Comprehensive coverage goes beyond collisions, covering damage from events such as theft, vandalism, and natural disasters. While hitting a deer falls under the category of collision, some insurance companies may classify it as a comprehensive claim due to the nature of wildlife encounters. Always check with your provider to clarify.
Your specific policy type can significantly affect your coverage. If you only have liability insurance, hitting a deer would not be covered. However, if you have collision or comprehensive coverage, you are more likely to be protected.
If you file a claim after hitting a deer, you’ll need to consider your deductible. This is the amount you pay out-of-pocket before your insurance kicks in. If the damage is less than your deductible, it may not be worth filing a claim.
Insurance requirements vary by state. Some states may have specific regulations regarding wildlife-related incidents, so it’s a good idea to familiarize yourself with your state's insurance laws.
If you find yourself in the unfortunate situation of hitting a deer, here are steps to take:
Check for Injuries: Ensure that you and any passengers are safe. If there are injuries, call for medical assistance immediately.
Move to Safety: If the vehicle is drivable and it's safe to do so, move your car to the side of the road to avoid further accidents.
Document the Incident: Take photos of the scene, including your vehicle, any visible damage, and the deer (if safe to do so). This documentation can be helpful when filing a claim.
Notify Authorities: Depending on the severity of the incident, you may need to report it to local law enforcement.
Contact Your Insurance Provider: Notify your insurance company as soon as possible to start the claims process. They will guide you through the steps necessary to get your vehicle repaired.
Hitting a deer can be a stressful experience, but understanding your insurance coverage can help mitigate the financial impact. If you’re unsure about your policy or want to ensure you have adequate protection, consider reviewing your coverage options with an insurance agent. Being informed and prepared can make all the difference when it comes to safely navigating the roads during deer season.
At Club Agency, we’re here to help you understand your insurance needs and ensure you’re covered when it matters most. Contact us today and stay safe out there!
