Does car insurance cover deer damage?

Does car insurance cover deer damage?

The deer is a fairly common animal in Texas. This agile creature has a habit of darting across highways at inopportune moments. Sadly, such behavior often results in the animal’s death and a serious auto accident. Deer-vehicle crashes have become increasingly frequent in the Lone Star State.

Precautions

Motorists can reduce the chance of crashes if they exercise caution in high-risk locations. It’s wise to reduce your speed during certain times of the day and year. Remember that deer are more likely to cause traffic accidents at night in the autumn or early winter. Always drive slowly in foggy weather.

Consequences

This type of crash can damage a car’s lights, bumper, fender, grille or hood. It could break the windshield, especially if you have a low-profile vehicle. Human injuries may also occur. Although frontal crashes are much more common, a deer could run into the side of your vehicle and damage windows or doors.

Insurance Coverage

Unfortunately, basic collision or liability auto insurance won’t pay your repair bills in this situation. You need to have a comprehensive policy to receive compensation when you hit any kind of animal. Photographs of an accident scene and vehicle damage may increase the likelihood of claim approval.

Many deer-car accidents result in repairs that cost $2,000 to $6,000. The average expense is approximately $4,200. A comprehensive plan’s deductible is frequently much lower than this amount. These deductibles can be as high as $2,500, but they’re often below $1,000. You may be able to find a policy that only subtracts $100 from your repair claim.

Even if you don’t have comprehensive auto coverage, your car insurance may provide limited help. Many insurers include roadside assistance or supply it as an add-on feature. If a deer causes enough damage to necessitate towing, the roadside assistance program will probably pay for this service at no extra charge.

The bottom line is that auto insurance covers deer-vehicle accidents if you possess a comprehensive plan with an appropriate deductible. Be sure to thoroughly document the crash and resulting damage. If you live near Austin, Texas and need affordable insurance, please request a quote on our website or contact us to learn more.

Photo: Deer by mcoughlin licensed under Creative commons 6