Residents of Charlotte and the surrounding area understand that deer versus vehicle accidents are not uncommon. Unfortunately, these incidents often lead to significant property damage as well as bodily injuries to drivers and passengers inside the vehicle. Complications can arise when it comes to securing compensation in the aftermath of a collision with an animal on the roadway. At Price Petho & Associates P.L.L.C., we are here to help when you need a Charlotte deer versus vehicle car accident attorney by your side. We will help ensure that you are treated fairly by insurance carriers so that you receive the compensation you need.
Deer versus car accidents can result in property damage and injuries
Car accidents involving deer typically increase during deer season, which runs from October through December, though they can occur at other times throughout the year. As the movement of the deer population increases, many more deer end up crossing highways and walking through suburban roadways. During the latest full reporting year of data available, we can see that there were 1.9 million total animal collision insurance claims made in the United States.
Deer accidents can lead to significant property damage and injuries. This is particularly true if a vehicle versus deer collision causes a driver to swerve off the roadway or into another vehicle.
Who covers the costs of a deer versus vehicle collision?
North Carolina residents may have trouble securing compensation after a collision with a deer. That is because the minimum insurance required in this state, which is what most drivers carry, does not provide significant coverage in these situations. In North Carolina, drivers are required to carry the following:
- Bodily injury liability coverage: $30,000 per person and $60,000 per accident
- Property damage liability coverage: $25,000
- Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident
- Uninsured/Underinsured motorist property damage: $25,000
Unfortunately, none of these coverages applies to damages a person sustains to their vehicle after colliding with a deer. A driver will only be able to receive compensation for their property damage if they carry additional comprehensive coverage as part of their insurance policy. Comprehensive coverage policies usually cover damage to vehicles caused by unpredictable incidents, including theft, fire, vandalism, or hitting an animal.
In most cases, a person will still have to pay in deductible if they file a car insurance claim after striking a deer with their car. Drivers choose a set deductible when they take out their comprehensive coverage, and this is the amount that they will pay out-of-pocket.
Deer versus vehicle collisions that cause a vehicle to strike another vehicle will be handled similarly to other accident claims.
Seek assistance from a car accident lawyer after your deer accident
If you or a loved one have been injured or sustained property damage in a deer versus vehicle accident around the Charlotte area, contact the team at Price Petho & Associates P.L.L.C. for help today. We know that insurance carriers can be difficult to deal with, particularly when working to secure compensation after a collision with a deer or other animal. Let our team get to work on your behalf today so we can obtain the compensation you deserve. When you need a Charlotte deer versus car accident attorney, you can contact us for a free consultation of your case by clicking here or calling 704-850-6322.