If you live in a rural area, seeing deer on the side of the road is probably common. Hitting a deer can result in serious damage to your car.
If you are involved in an accident with a deer, your car insurance may provide coverage to help you repair or replace your vehicle. There are several factors to take into consideration, such as the coverage you carry, your deductible amount, and the possibility of a premium increase.
Does your policy have comprehensive coverage?
If you are involved in an accident with a deer, then your car insurance may provide coverage as long as you carry comprehensive coverage.
This coverage provides protection in the event you have an incident other than a collision with another vehicle. This type of coverage often comes with a deductible and may have stipulations on how your coverage applies and exceptions to your coverage.
In some situations, it may make more sense not to carry comprehensive coverage on your vehicle.
If you are driving a low-value or older car, then it may be more cost effective to cover any potential damage yourself. When searching for an insurance policy, make sure to discuss your car’s value with any potential insurance provider.
They can run multiple quotes so you can determine which policy coverage is best for you.
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What deductible do you carry on your policy?
A deductible is an amount that your car insurance policy will require you to pay before your policy limits take effect. Normally, the higher the deductible that you carry on your comprehensive coverage, the lower the premium you end up paying annually.
The deductible amount is an amount that is agreed to when you are purchasing your policy. Different insurers may offer different deductibles, so be sure to shop around for policy coverage that meets your needs.
For example, your policy may have comprehensive coverage with a $500 deductible. If you hit a deer, your $500 deductible will apply before your insurance provider steps in. If the damage to your vehicle is below $500, then your insurance policy will not provide coverage.
However, is the damage to your vehicle is $2000, then your policy limits would take effect after you’ve paid your $500 deductible.
Is filing a claim worth the possible premium increase?
There are multiple factors that are looked at when determining how much your insurance premium will be.
One of these factors is your claim history and insurance record. This means that insurance providers will look at how many claims you file when quoting your policy and when they review your policy on an annual basis.
Insurance providers review the insurance policies they write to determine the risk associated with continuing to cover a driver or vehicle. This happens when the policy is first being quoted, but also on an annual basis when the provider renews the policy.
If you file a claim for damages caused by hitting a deer, then this will affect your claim history. Your insurance provider may adjust your risk level, finding that you are a higher risk than you were previously.
This could result in higher premium payments over the course of the next several years to offset your risk. Also, if you’ve filed multiple claims in a short amount of time, your provider may decide to stop providing coverage altogether.
Understanding Your Insurance
Your car insurance may provide coverage if you hit a deer. However, you need to take a few things into consideration before deciding if you should file a claim or not.
First off, determine if you have comprehensive coverage on your policy. Without this coverage, your insurance provider will not normally provide coverage in the event that you hit a deer or any animal. If you do not carry comprehensive insurance, you will not be able to file a claim to receive policy coverage.
Next, look at your deductible for comprehensive coverage claims; this is the amount you must pay before your policy provides coverage. If the amount of your deductible is higher than the amount of damage caused by the deer, your insurance provider will not provide policy coverage.
Finally, consider the potential premium increase to your policy. Insurance providers are looking to write coverage for low-risk drivers that do not file many claims. The more claims you file, the more likely it is that your provider may increase your premium amount or decide not to renew your policy.