When buying auto insurance, the ultimate goal is to protect your car and yourself from financial loss and allow you to make damage repairs. While auto insurance policies typically do a good job of protecting you, some damages are not covered. When you hit a deer while driving, it may or may not be covered by your policy.
Hitting a deer while driving is one of the most common types of accidents that do not involve running into another vehicle. This type of accident can also cause a lot of damage, depending on the situation. According to the Insurance Information Institute, the average deer strike results in about $2,800 in damage. While this is not a catastrophic loss, it can definitely change your financial situation if you have to pay that out of your own pocket.
Comprehensive Auto Coverage
The type of insurance coverage that would cover you if you hit a deer is called comprehensive auto coverage. This type of coverage provides benefits when you damage your car in some other way than through a collision with another car. A deer jumping out in front of you would typically be covered by this type of coverage. It can also provide protection against other perils like fire, hail damage or a tree limb falling on your car.
Although hitting a deer may be covered by your insurance, it is not always covered. Many drivers only have liability coverage and some only have liability and collision. Even though you are technically engaging in a collision with the deer, this is not what collision coverage is for. Collision coverage only covers damage to your car that occurs when you hit another vehicle. It is typically a good idea to review your auto policy to make sure that you have comprehensive coverage if you are concerned about hitting a deer or live in an area where the risk of hitting a deer is high.
If you hit a deer and have comprehensive auto insurance, this will be covered under a separate deductible than what your collision insurance provides. In many cases, the comprehensive deductible is lower than the collision deductible. For example, the collision deductible might be $1,000 while the comprehensive deductible is only $500. This is because the damage from a collision claim is typically higher than what is caused by a comprehensive claim and it is more likely to occur.
Deer Collision & Insurance Claim
Winter in the northeastern United States is peak season for deer accidents involving automobiles. Insurance companies suggest that drivers check their auto...
What Does Comprehensive Motorcycle Insurance Cover?
Comprehensive motorcycle insurance covers motorcycles damaged in situations that do not involve other vehicles or drivers. This type of coverage is usually...
How to Avoid Hitting a Deer While Driving
The deer population is increasing while the human population is expanding into rural areas, infringing on the deer habitat. It isn't a...
How to Pay the Deductible for Collision Repair
A deductible is a small payment you must pay in addition to whatever your insurance company is paying for collision repair. The...
How to Handle Insurance Claims After Hitting a Deer
Collisions with deer have been on the rise nationwide, up more than 20 percent over the last five years. According to the...
How to File for a Deer Collision With Progressive
Running into a deer can cause serious damage to your vehicle. Depending on your speed, the angle of collision and the size...
Does Comprehensive Insurance Cover Paint Damage?
Comprehensive insurance covers damage to an insured vehicle for losses incurred as a result of an accident not involving a collision. These...
Are Dogs Hit by Cars Covered by Car Insurance?
If a pet is injured by a car, an insurance company may pay veterinarian bills depending on the circumstances. Injuries to a...