Hitting an animal while driving is stressful, and many drivers aren’t sure what their insurance covers. Understanding your options can save you time, money, and stress. Check out our guide below!
Questions? Reach out to one of our knowledgeable insurance agents. We’re eager to set you up with the right coverage and rate!
Understanding Your Coverage
- Comprehensive coverage usually covers accidents where you hit an animal, especially large wildlife like a deer.
- Comprehensive coverage may apply if your vehicle is damaged by smaller animals or in unusual circumstances.
- No coverage? If you don’t have collision or comprehensive coverage, you may have to pay for repairs out-of-pocket.
Steps to Take After the Accident
- Ensure safety first – move to a safe location and turn on hazard lights.
- Document the damage – take photos and note the location, time, and circumstances.
- Report the incident to your insurance company – even if you’re unsure if it’s covered.
- Check local laws – some areas require reporting certain animal accidents (like dogs or deer).
Cost Considerations
- Deductibles apply depending on your coverage.
- Sometimes hitting an animal does not increase your insurance rates but check with your agent to be sure.
- Repairs can be expensive, so understanding your coverage in advance helps you avoid surprises.
Hitting an animal is often covered under comprehensive insurance. Being prepared and knowing your policy can reduce stress in an already difficult situation.
Not sure if your policy covers wildlife accidents? Contact Cornerstone Insurance Agency LLC’s insurance agents today to clarify your coverage and protect your vehicle.
This article is for informational purposes only. You should not act based on this information without first consulting with your insurance agent; if you would like a quote from a Cornerstone Insurance Agency licensed agent, contact us. We disclaim all liability for actions taken or not taken by you based on the contents of this article which is provided “as is.” Cornerstone makes no representation that this content is error-free.