Animals can’t read, and generally don’t care that there’s a proceed with caution sign on the stretch of highway that they are about to dart across. That sign is there for you as a warning that an animal might dart into your path, and there is a chance that you might hit it. Still, an animal might dart into any stretch of roadway at any time, sign or no sign. If you hit it, then you might not only cause the animal harm, but also significantly damage your vehicle.
If you are curious about whether your auto insurance will pay for your vehicle repairs after an animal strike, then you are in luck. Most policies offer coverage; however, it’s not an automatic benefit on most policies. Therefore, always ensure that your plan contains this benefit when you enroll.
How to Insure Your Car Against Animal Strikes
There is generally very little warning that you might hit an animal, and if one darts in front of your car, then you might have almost no chance to react. Sometimes, you have no choice but to hit the animal, because the alternative might be that you could cause an even worse accident.
The results of the collision might be messy and damaging. Hitting an animal might damage the front of your car, shatter glass, and imbed debris into your tires, to name just a few of the results. Therefore, you’ll want to have the vehicle repaired. To receive assistance from your auto insurance, look to see if your policy includes comprehensive damage insurance.
Comprehensive damage insurance is a component of auto policies that pay for accidents that are not related to wrecks. Though an animal strike is technically a collision, most insurers actually cover these losses under comprehensive coverage. After all, animals might cause damage to your vehicle even when the vehicle is not in motion.
What is Comprehensive Auto Coverage
With comprehensive coverage, your policy will agree to pay you a settlement to help you repair the vehicle. A deductible will apply to your claim, however, and any damage that costs less than the value of the deductible will not have coverage.
Should the animal strike total your car, your insurer will generally pay you a settlement based on the car’s actual cash value, which is the car’s used value at the time of the accident. However, if you want additional coverage, then you might be able to buy increased coverage that matches the car’s replacement cost value.
The thing about comprehensive coverage is that it is optional for most drivers. Therefore, if you don’t tell your agent that you want this coverage, then they might not automatically include it on your policy quote. Always make sure your plan includes this benefit. It’s often instrumental in helping you afford to repair your car following any number of accidents.
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