Car accidents are not always caused by other drivers. Sometimes, accidents can be caused by animals that dart out into the road unexpectedly. These accidents can significantly damage your vehicle, leaving you with a hefty repair bill. One question that drivers often ask is whether their car insurance will cover damage from animal collisions. This blog will explore this topic and provide the information you need to understand your insurance coverage.
Does Car Insurance Cover Damage from Animals?
The short answer is it depends. In most cases, if you have comprehensive coverage on your car insurance policy, you will be covered for damage caused by animals. Comprehensive coverage is optional insurance coverage that provides protection for damage to your vehicle that is not caused by a collision. This includes damage from weather events, theft, and animal collisions.
However, if you only have liability coverage, which is required by law in most states, you will not be covered for damage caused by animal collisions. Liability coverage only protects against damage you cause to other people or their property in an accident.
It is important to note that the specifics of your insurance coverage may vary depending on your insurance policy and the insurance company you are with. You should review your policy carefully and speak with your insurance agent to understand your coverage.
How to Prevent Animal Damage?
While it may not be possible to prevent animal collisions completely, there are some steps you can take to reduce the likelihood of an accident:
Pay Attention to Warning Signs:
In areas known for wildlife activity, you may see warning signs indicating that animals may be present. Pay attention to these signs and adjust your driving accordingly.
Drive Cautiously:
When driving in areas with a higher risk of animal collisions, slow down and be prepared to stop suddenly if necessary.
Use your headlights – Use your headlights, especially at night, to help you see animals that may be on the road.
Don’t Swerve:
If an animal suddenly appears in front of your vehicle, it may be tempting to swerve to avoid it. However, swerving can cause you to lose control of your vehicle and may lead to a more serious accident.
What is Comprehensive Coverage?
Comprehensive coverage, as mentioned earlier, is optional insurance coverage that provides protection for damage to your vehicle that is not caused by a collision. This includes damage from weather events, theft, and animal collisions. Comprehensive coverage typically has a deductible, which is the amount you must pay out of pocket before your insurance coverage kicks in.
Comprehensive coverage can be a valuable addition to your car insurance policy, especially if you live in an area with a higher risk of animal collisions. However, it is important to review your policy carefully and speak with your insurance agent to understand the specifics of your coverage.
Need Help with Auto Insurance? Contact Isu Wissink Insurance!
If you have questions about your car insurance coverage or want to add comprehensive coverage to your policy, contact Wissink Insurance. Our experienced agents can help you understand your insurance policy and select the proper coverage. Please don’t wait until it’s too late. Contact Isu Wissink Insurance today.