While it’s one thing to get into a car accident with another person, it’s completely different when it occurs between you and wildlife. Your insurance company has completely different rules and regulations when it comes to dealing with car accidents with wildlife; a dust-up with Bullwinkle changes the game.
Consider Comprehensive Coverage
A basic, liability only insurance policy is not going to cover your accident with a deer or another large animal. It turns out that the animal's policy isn't going to cover the accident and with only liability coverage, you are going to be left paying the bill. Liability only covers damage to someone else’s property and not your own. Without a liable driver to pay for you, it’s up to you to cover those expenses out of pocket.
Because of this possibility, it might be wise to consider comprehensive coverage. A comprehensive policy will not only protect against uninsured motorists (and wildlife) but theft, fire and many severe weather conditions as well. Take a look at the policies available from your insurance provider and consider adding this coverage to your policy, especially if you travel through an area with a large number of deer to worry about.
How to File a Claim
If you do get into a damaging collision involving an animal, it’s important that you know how to file a claim with your insurance company. Take some photos of the accident so that you have proof, and then report the incident to your insurance company as soon as possible. The company will want to take photos of their own, and will likely want you to get them a quote from an auto shop for how much it will cost to fix the issues. Once the claim is filed, you’ll have to pay the deductible to the insurance company, and they will cover the rest of the costs for you, up to the limit of your policy.
Filing a Claim Doesn’t Always Make Sense
It’s also important to consider when it makes sense to file a claim. If the cost of repair after the accident is less than your deductible your out of pocket expense is, in effect, exactly the same. As filing a claim will likely increase the rate of your premiums, filing a claim on a repair cost close to your deductible amount will likely wind up costing you more money in the long run. It only makes sense to file a claim with insurance when the repair cost is much higher than your deductible.
Good to Know
According to State Farm Insurance, it is estimated that more than 2 million accidents involving wildlife occur every year. Take the time to ensure that you’re covered now. That way, if you should find yourself one of the 2 million, you can worry more about Bambi than your fender.