Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
If your car is damaged because you hit a deer there is physical damage coverage available if you selected it. The coverage is called “comprehensive.” It normally has a deductible so the claim would be adjusted on the basis of the cost of repair minus the deductible.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Assuming that your car insurance policy includes physical damage coverage for "Comprehensive" loss, then yes, you will have coverage if you hit a deer or any other animal. This coverage will also pay settlements for theft, vandalism, if your car bursts into flames or if an object falls on it while it is parked.
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Car insurance covers hitting a deer. Typically, if you have "full" coverage on your vehicle (collision and comprehensive benefits), the claim will be paid by your insurer.
Typically, it is classified as a "comprehensive" claim and not subject to any surcharges. You may have a deductible to meet, although having "no" deductible is fairly common.
As an experienced car insurance broker (33 years in the business), this question is quite common and we handle them on a regular basis.
Great question! Yes, hitting an animal is covered under your insurance, assuming that you have comprehensive coverage. You might have to pay a deductible, you may not, depending upon your policy. Call your agent, and have them tell you exactly what it will cost you. Good luck! Thanks for asking!
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Typically, it is classified as a "comprehensive" claim and not subject to any surcharges. You may have a deductible to meet, although having "no" deductible is fairly common.
As an experienced car insurance broker (33 years in the business), this question is quite common and we handle them on a regular basis.