Does Auto Insurance Cover Hitting a Deer?
It’s a scenario we all hope to avoid but must acknowledge as a real possibility, especially in McDonough, Georgia, and the surrounding areas. Hitting a deer is an unsettling and potentially dangerous situation, and the aftermath leaves many drivers wondering about the financial repercussions.
Contact Strawn & Co, Insurance today for help evaluating your current auto insurance coverage. Our team can help you get car insurance designed to help protect you from the financial effects of unexpected events such as hitting a deer.
Comprehensive Auto Insurance Coverage Is Key
Comprehensive auto insurance coverage typically handles deer strikes. This part of your auto policy is designed to help cover noncollision-related damages to your vehicle, and striking an animal is considered a noncollision event. Incidents covered by comprehensive auto insurance can include theft, vandalism, natural disasters and hitting an animal like a deer.
If you have comprehensive coverage, you may be covered for repair costs after a deer strike minus your deductible. It’s important to review your specific policy and speak to your insurance agent to understand the full extent of your coverage.
How Hitting a Deer Might Affect Insurance Rates
The impact of a deer collision on your future insurance premiums varies depending on your insurance provider’s policies and whether you have a history of claims. In many cases, a first-time claim for a deer collision may not significantly affect your premiums. However, frequent claims over time can result in higher rates.
Protecting Yourself and Your Vehicle
While you can’t always prevent an accident, you can take steps to minimize risks, including the following:
- Stay alert. Pay close attention while driving during dawn and dusk, the most active times for deer.
- Use high beams. This helps you see further and may reflect off a deer’s eyes.
- Follow speed limits. Keeping your speed under control gives you more time to react.
If you’ve ever asked yourself whether auto insurance covers hitting a deer, the answer largely depends on whether you have comprehensive coverage. For those in McDonough, Georgia, looking to understand or upgrade their auto insurance options, Strawn & Co, Insurance is here to help. We can guide you through selecting the right coverage to protect you against all the surprises the road may bring, including deer collisions.
Feel free to reach out to us for a tailored consultation. We’re not just in the business of selling insurance; we’re your trusted advisor, ensuring you understand your options and making sure you’re adequately protected.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.