Does Car Insurance Cover Hitting an Animal? Detailed Guide

By Randy Luton | Last Updated: 02/02/2023

On an average, In the U.S. between July 2021 and June 2022, there was 1.9 million animal collision claims are registered. Depending on the animal’s size, though, you may have to switch gears and start thinking practically about how you will pay for the damage said animal caused.

In most cases, when a car and an animal collide, the vehicle sustains little to no damage. However, when the animal in question is larger, such as a family dog, coyote, deer or bear, it can cause considerable damage. The collision may even result in injury to yourself. If your car has huge damages then you must plan ways to cover the cost of damages.

If you are wondering will car insurance cover hitting an animal then this guide has the answer. Keep reading till the end.

Which type of insurance cover hitting an animal?

On average around 260,000 crashes are caused by animals in a year. Unfortunately, the majority of standard insurance policies do not provide coverage for the expense of damages that arise from an accident with an animal.

However, you could be in luck if you have the foresight to get comprehensive collision insurance. If you have comprehensive insurance, it will also protect you if you swerve to avoid hitting an animal but strike a pothole or another item instead.

Does car insurance cover hitting a dog?

A dog being struck by a car is an extremely upsetting event. Because of this, it’s critical to understand what to do and whether your insurance will be applicable. In general, if you have comprehensive insurance, it will cover any damage to your car. Depending on the accident’s specifics, your liability insurance may pay the dog’s medical fees and other costs if you are held accountable.

Does car insurance cover hitting a deer?

Your auto comprehensive coverage will pay for any vehicle damage caused by hitting a deer. Comprehensive insurance can pay for automotive damage brought on by uncontrollable circumstances, such as running over a deer or other animal. Your automobile must collide with the animal for the collision to be covered by comprehensive insurance.

Will claiming car insurance for animal damage increase my insurance rates?

It varies. Your insurance rates might go up if you make a claim for running into an animal. This is due to the possibility that each insurance claim you make might raise the cost of your auto insurance.

When you renew your auto insurance or look for a new provider, the pricing is based on a number of variables, including the insurance company you already have coverage with, your driving record, claims history, and more.

While a comprehensive claim typically does not raise insurance premiums as much as a collision claim, if you submit a claim for an accident involving an animal, you can see an increase in your price at your next renewal.

How to file animal damage car insurance?

We know that feeling of hitting an animal, the confusion, guilt and stress we get after the accident. Below are a few things you should do if you ever get hit by an animal:

  1. Step #1 – Drive your car off the road and away from the animal: As soon as it is safe to leave the vehicle, turn on your hazard lights and stay inside
  2. Step #2 – Make a police call: If the animal is obstructing the road, let the police know since it can be dangerous for approaching automobiles.
  3. Step #3 – Avoid the deer or other animals: A deer struck by a car will be terrified and may attack people. Once they come, the cops will take care of the matter.
  4. Step #4 – Take photos of the incident when it’s secure: Photograph the road, the surroundings, any damage, and any injuries you or your passengers may have sustained. If another driver offers assistance, note their description of the situation and get their contact details.
  5. Step #5 – Make a claim by contacting your insurance provider: You can get in touch with your agent if you have the contact number or you can find the customer service number from the website of your insurance provider. Call them and inform them about the entire accident.
  6. Step #6 – Make sure your vehicle is suitable for driving: Pay close attention to items like dripping fluids, damaged lights, or a loose hood. Your insurance provider can assist with towing your vehicle if your auto insurance policy includes roadside assistance or comprehensive coverage.

How to avoid hitting a deer?

There were more than 200 fatalities because of deer in our country in 2021. You can prevent hitting a deer on the road by following a few straightforward guidelines.

  • If you notice a deer while driving, slow down and keep an eye out for others as they frequently move in groups.
  • If you notice a yellow, diamond-shaped sign with a deer on it, pay attention since it is a sign that deer commonly cross the road there.
  • Additionally, a deer’s eyes may reflect light from your headlights, making them simpler to see while driving.
  • The majority of deer mishaps take place between October and December, during the mating season. During this time of year, drive cautiously, especially if you’re doing it at dawn or dark when deer are most active.
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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.