Out of nowhere animals can jump in front of your car without warning and usually at night when you can only see what is in your headlights. If you end up hitting a large animal like a deer it can cause massive damage to your car costing thousands of dollars to repair. Many drivers fear that if the make an insurance claim for the repairs the company will increase their rates.
The fact is most auto insurance companies will not raise your rates due to this type of collision. Most auto policies will state in clear terms that hitting an animal will be considered a comprehensive claim versus a collision claim which would increase your rates.
Insurance Coverage for Hitting Deer
If you have full coverage on your auto insurance policy there are two types of coverage that will help repair your vehicle in the event of a covered loss.
- Collision Coverage - This will provide repairs to your vehicle in the event of hitting or running into someone or something. You pay your deductible and the insurance company will pay for the rest of the repair cost.
- Comprehensive Coverage - Almost anything beyond running into something is covered by comprehensive coverage including theft, vandalism, hail, wind or animals. You pay your deductible and the rest of the cost will be paid by your insurance company.
Will my premium increase if I file a claim?
Most auto insurers will raise your premium on renewal if you have a collision claim whether or not you hit another driver or just a street sign. Insurance companies realize it is not your fault that an animal jumps in front of your vehicle while driving so they will not increase your rates for this.
In the event you incur damage from an animal while driving call your insurance agent and ask them how your company handles this type of claim. Usually they will file the claim as a comprehensive claim and you pay your deductible for that type of loss.
What to do before filing a claim
If you have questions about your policy and want to confirm that hitting an animal will not affect your rates either ask your agent or read the policy. Most auto insurance policies will detail what is not covered and have the assumption that the rest is covered.