How Car Insurance Covers Animal Collisions

One accident hazard that is present on every stretch of roadway is the risk of an animal strike. You never know when an animal might wander into your path, and if you can’t avoid them, then you might do a lot of damage to your car. It’s at this point that you might want your auto insurance to pay for the damage. 

Yes, your car insurance can help you pay for damage done in animal strikes. However, you have to have the necessary coverage—comprehensive coverage—within your policy in the first place. Here’s how it works. 

Comprehensive Insurance and Animal Strike Coverage 

If you have comprehensive physical damage coverage on your auto policy, that does not mean that you have auto insurance for 100% of your losses. It is a specific benefit within an auto insurance that is designed to insure your vehicle against physical damage that is not related to a wreck (I.e. storms, fires, theft).  

Animal strikes will have coverage under this benefit, even though they might be perceived as collisions by the affected driver. If you only have a minor collision with an animal, then you might find that there’s only minor damage, which might not necessitate filing an auto insurance claim (particularly if you have a high deductible on your policy). However, were your vehicle to sustain severe damage, then your comprehensive coverage can ensure that you receive a substantial settlement for the requisite repairs. 

What Happens if I Hit Another Vehicle?  

Maybe when you hit a deer, you swerve into oncoming traffic and hit another vehicle. Under the circumstances, you might be at fault for the other driver’s vehicle damage, since you hit them. Even though you were not necessarily in full control of your vehicle at the time you hit the other car, the fault lies more with you than the other driver.  

Therefore, your auto liability insurance will provide property damage and bodily injury coverage that pays for third-party losses when you are deemed at fault for the accident. However, this coverage does not pay for damage to your own vehicle, so you must carry both comprehensive and liability coverage within your policy if you want a more expansive policy.  

What Should You Do After an Animal Collision?  

After you strike an animal, immediately call the police and emergency services. They will respond to the scene, direct traffic and help you document the accident. Afterwards, contact your insurance company to learn what your next steps will be. They will start the claim and analyze the cause and effects of the accident. They will then determine exactly how much your policy can aid you for the ramifications of this accident.