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Is Hitting A Deer Covered By My Insurance

If you drive at night in a woody area, chances are you constantly scan the sides of the road for deer sightings. Even though deer-related accidents occur more in the fall, this happenstance can take place anytime. Deer are notoriously jumpy, and without warning, you can find a deer and an unavoidable accident in your path.

But does your vehicle insurance cover the damages or injuries that often occur by hitting a deer? It is a safe bet that the deer do not have liability insurance. Insurance policies can be tricky, and it always helps to have the Charlotte deer-versus-car accident attorneys at Price Petho & Associates P.L.L.C. by your side.

Understanding Insurance

It should go without saying that you should avoid an accident with a deer or any other animal, if possible, but often, this is not feasible without swerving or losing control of the car and causing even more damage and injury.

It does not seem fair that you should have to pay for some or all the damages to your vehicle or treatment for injuries when the accident was not your fault. Understanding what your insurance covers can help you prevent this.

The good news is deer-related accidents are covered under most comprehensive insurance coverage, but if you avoid the accident with the deer and collide with an inanimate object, this is only covered under collision coverage which often causes higher deductibles and premiums than comprehensive policies.

Your comprehensive insurance coverage usually comes with a deductible. Deductible options vary from zero-deductible to quite high. Read and ask questions if needed to understand your insurance policy before you must file a claim.

The declarations page of your policy should let you know the status of your deductible. Usually, low deductibles make the policy more expensive, if deductibles are high, you will be responsible for a larger portion of the cost of repairs.

Comprehensive coverages apply to all sorts of incidents, including:

  • Animal-related accidents
  • Fire
  • Theft
  • Vandalism
  • Trees falling on your vehicle
  • Weather events like floods and hail

Ultimately, different insurance companies have varying protocols for dealing with comprehensive coverage so there is no absolute answer as to how your rates will change because of an animal-related accident. Often in the case of one accident, rates do not change, but they may if there are recurrences.

In any case, more evidence never hurts. Documentation like police reports can help expedite insurance claims.

When Should I Contact A Lawyer?

It is not uncommon to see animal-related car accidents in and around Charlotte. Substantial property damage and considerable injuries to drivers and passengers in the vehicle can be sustained during these incidents, and an accident’s aftermath can create a whole new set of complications.

It can be difficult to communicate with insurance companies, especially when negotiating compensation for a collision with deer or other animals. The Charlotte deer-versus-car accident attorneys at Price Petho & Associates P.L.L.C. are here to help ensure you get treated fairly and receive the compensation you deserve. Contact us for a free consultation of your case by clicking here or calling 704-850-6322.