Animal Collisions: Is Your Car Insurance Shielding Your Vehicle?

Animal Collisions: Is Your Car Insurance Shielding Your Vehicle?

Driving down the open road can be a serene experience, but unexpected encounters with wildlife can turn that tranquility into chaos in a split second. Whether it’s a deer darting across the highway or a small animal scurrying into your path, collisions with animals are more common than we might think. The real question, however, is whether your car insurance covers the aftermath of such encounters.

Does Your Car Insurance Cover the Cost of Damage After Hitting an Animal?

While comprehensive car insurance typically covers damages not caused by a collision with another vehicle, it’s essential to review your policy to understand the specifics. Comprehensive coverage is designed to protect your vehicle from non-collision incidents, including animal-related accidents. This coverage can help repair or replace your car if it’s damaged by hitting an animal or if the animal damages your car in some way.

However, coverage details can vary between insurance providers and policies, so it’s crucial to check the fine print. Some policies might exclude certain types of animals or specific circumstances, so it’s wise to know exactly what your coverage includes.

What Kind of Animal Is Involved in Collision?

The type of animal involved in an accident can impact the extent of the damage and, consequently, your insurance coverage. Striking a smaller animal like a raccoon or rabbit might result in minor damages that are easily repairable. However, colliding with a larger animal, such as a deer, can cause significant damage to your vehicle.

Some insurance policies might differentiate between various animals, considering factors like size and collision impact. It’s essential to understand the nuances of your coverage to be prepared for any situation.

What to Do If You Hit an Animal?

Take the following steps –

  • Stay calm: In the immediate aftermath of an animal collision, it’s crucial to stay calm and assess the situation. Try to pull over to a safe location if possible.
  • Contact local authorities: Depending on the severity of the accident, you may need to contact local law enforcement or animal control. They can assist in managing the situation, especially if the animal is injured or poses a danger to other drivers.
  • Document the incident: Take pictures of the scene and any damages to your vehicle. This documentation can be valuable when filing an insurance claim.
  • Contact your insurance provider: Report the incident to your insurance company as soon as possible. Provide them with all the necessary details and documentation. They will guide you through the claims process and inform you about your coverage.

Effectively Understand Car Insurance Coverage for Animal Collisions with Aimpro Insurance

Navigating the aftermath of an animal-related accident can be stressful, but understanding your car insurance coverage is vital to easing the financial burden. When it comes to ensuring your relief on the road, trust Aimpro Insurance to provide comprehensive coverage tailored to your needs. Contact us today to discuss how we can protect your car from the unexpected twists of the open road. Call us at (602) 494-2737 to get started.

Author: Aimpro Insurance
Aimpro Insurance will offer the best coverage from only the most reputable carriers. Our clients have come to depend on us to provide advice and customized programs to meet all of their insurance needs. The overall experience for our clients is “Insurance made simple.