Driving on the road can be a thrilling experience, but it can also be fraught with danger. One of the most unexpected and potentially devastating hazards is a deer hitting your car. Deer are abundant in many parts of the world, and their sudden appearance on the road can cause significant damage to your vehicle and even put your life at risk. In this blog post, we will explore the question of whether insurance covers a deer hitting your car, and what you can do to minimize the impact of such an incident.
What Happens When a Deer Hits Your Car?
When a deer hits your car, it can cause significant damage to your vehicle, including dents, dings, and even broken glass. In some cases, the impact can be severe enough to cause serious injury or even death. According to the Insurance Information Institute, deer-related accidents result in over 1 million claims annually, with damages ranging from a few hundred to tens of thousands of dollars.
Types of Deer-Related Accidents
There are several types of deer-related accidents that can occur, including:
- Head-on collisions: When a deer suddenly appears on the road and you are unable to stop in time, resulting in a head-on collision.
- Sideswipes: When a deer jumps onto the road and you hit it with your vehicle, causing damage to your car’s body.
- Rear-end collisions: When a deer is hit by another vehicle and then jumps onto the road, causing you to hit it from behind.
Does Insurance Cover a Deer Hitting Your Car?
The answer to this question depends on the type of insurance coverage you have. In general, most auto insurance policies cover damage caused by deer-related accidents, but the extent of the coverage may vary.
Comprehensive Coverage
Comprehensive coverage is an optional type of insurance that covers damage to your vehicle caused by non-collision events, such as deer-related accidents. This type of coverage typically covers damages such as:
| Damage | Coverage |
|---|---|
| Dents and dings | Yes |
| Broken glass | Yes |
| Body damage | Yes |
| Other damage | Yes |
Collision Coverage
| Damage | Coverage |
|---|---|
| Body damage | Yes |
| Frame damage | Yes |
| Other damage | Yes |
What to Do If a Deer Hits Your Car
If a deer hits your car, it’s essential to follow the proper procedures to minimize the impact of the incident. Here are some steps you can take: (See Also: How Much Does Insurance Cost for a Used Car? – Factors To Consider)
Step 1: Move to a Safe Location
Move your vehicle to a safe location, away from the road and any potential hazards. This will help prevent further accidents and ensure your safety.
Step 2: Call the Police
Call the police to report the incident and provide them with as much information as possible, including the location, time, and details of the accident.
Step 3: Exchange Information
Exchange information with any other parties involved in the accident, including their name, address, phone number, and insurance information.
Step 4: Document the Damage
Take photos of the damage to your vehicle and any other property involved in the accident. This will help you document the extent of the damage and provide evidence for any insurance claims.
Step 5: Contact Your Insurance Company
Contact your insurance company to report the incident and provide them with the necessary information. They will guide you through the claims process and help you get your vehicle repaired or replaced.
Recap and Key Points
In conclusion, deer-related accidents can cause significant damage to your vehicle and even put your life at risk. While insurance coverage may vary, most auto insurance policies cover damage caused by deer-related accidents. Comprehensive coverage typically covers damages such as dents, dings, and broken glass, while collision coverage covers damages such as body damage and frame damage. If a deer hits your car, it’s essential to follow the proper procedures to minimize the impact of the incident. By moving to a safe location, calling the police, exchanging information, documenting the damage, and contacting your insurance company, you can ensure your safety and get your vehicle repaired or replaced. (See Also: What Is a Good Liability Amount for Car Insurance? Setting The Right Limit)
Key Points:
- Deer-related accidents can cause significant damage to your vehicle.
- Most auto insurance policies cover damage caused by deer-related accidents.
- Comprehensive coverage typically covers damages such as dents, dings, and broken glass.
- Collision coverage typically covers damages such as body damage and frame damage.
- It’s essential to follow the proper procedures to minimize the impact of a deer-related accident.
FAQs
What should I do if a deer hits my car?
If a deer hits your car, move to a safe location, call the police, exchange information with any other parties involved, document the damage, and contact your insurance company.
Will my insurance company cover the damage?
The answer depends on the type of insurance coverage you have. Comprehensive coverage typically covers damages caused by deer-related accidents, while collision coverage covers damages caused by a collision with another vehicle or object.
How much will it cost to repair my vehicle?
The cost of repairing your vehicle will depend on the extent of the damage and the type of insurance coverage you have. Your insurance company will guide you through the claims process and help you get your vehicle repaired or replaced.
What should I do if I hit a deer and it’s still alive?
If you hit a deer and it’s still alive, try to move it to a safe location away from the road. If you’re unable to move it, contact local wildlife authorities or a professional animal removal service to assist you. (See Also: Why Is Car Insurance So High in California? – Revealed)
Can I file a claim if I hit a deer?
Yes, you can file a claim if you hit a deer. Your insurance company will guide you through the claims process and help you get your vehicle repaired or replaced.