subject: Does Auto Insurance Cover Deer Collisions? [print this page] With the mating and migrating season also comes an increase in auto-deer collisions. During the winter it is often more difficult to see deer and other animals running across a drivers path; and sometimes the deer collide directly into the side of the vehicle, leaving a huge dent in its wake. Whether or not auto insurance coverage includes the damages from a deer collision is the question.
The Better Business Bureau recommends for all drivers to research and thoroughly read their auto insurance policies to ensure full reimbursement for auto-deer collisions.
James Wrynn, an insurance superintendent, reported, Consumers can help themselves by understanding what their policy covers and what is excluded from coverage. They should also know that they can turn to the Insurance Department if they need help with an automobile insurance issue they cannot resolve themselves.
The comprehensive physical damage policy is the only auto insurance coverage that includes auto-deer collisions. Unfortunately, most drivers do not understand that regular collision insurance does not cover animal collisions, and insurance providers do not cover the cost for a rental while the damaged vehicle is being repaired. Replacement rental car coverage can be added to insurance policies for a minimum fee per month.
According to the Insurance Information Institute (III), the estimated cost to repair a typical auto-deer collision is $2,800, depending on the vehicle and amount of damage; and if an injury has occurred, that cost can quickly escalate to $10,000. The National Safety Council reported that since 2003 there have been over 530,000 auto-animal collisions, resulting in a minimum of 10,000 injuries and 100 deaths.
Gap coverage is another option that can be added to any auto insurance policy. If a driver is involved in an auto-deer collision and the car is totaled, then the Gap coverage will help pay for the balance owed on the vehicle. Drivers who do not have Gap coverage and total their vehicles are still responsible for paying of the remainder of the car loan.
When searching for auto insurance coverage that includes comprehensive physical damages, the BBB explains that insurers should purchase an auto insurance policy from a reputable company and to know what the deductible is before authorizing any work on the damaged vehicle. Reviewing several different auto insurance quotes will ensure the best rates available.
Explosion of the deer population has had a huge impact on the amount of auto-deer collisions that occur during the winter months of October, November, and December. National Quotes provides affordable auto insurance quotes that will help drivers find the best coverage available to ensure proper vehicle protection against expensive auto-deer collision damages.
by: Frank Williams
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