When you collide with a deer, it often leads to insurance claims. However, the impact it has on your insurance premiums varies. In some cases, it can result in higher premiums, but not always. Factors that influence the outcome include your driving history, the extent of the damage, and the insurance company’s policies. Even if your premiums increase, the amount and duration of the increase will differ depending on the specific circumstances. It’s crucial to check with your insurance provider to understand their specific guidelines and how the accident might affect your rates.
Does Insurance Go Up After Hitting a Deer?
The answer to this question is not always straightforward. In some cases, your insurance rates may increase, while in other cases, they may not. Here’s a breakdown:
Filing a Claim for Deer Collision Damage
- Notify your insurance company. It’s essential to report the accident to your insurer as soon as possible after it happens.
- File a claim. You will need to provide your insurance company with information about the accident, including the date, time, and location. You should also take photos of the damage, if possible.
- Get your car repaired. Once your claim is approved, you can take your car to a repair shop to get it fixed.
- Pay your deductible. You will be responsible for paying your deductible before your insurance company pays for the repairs.
Whether or not your insurance rates will increase after hitting a deer depends on several factors:
- Your driving record. If you have a clean driving record, you are less likely to see a rate increase after filing a claim.
- The amount of damage. The more severe the damage to your car, the more likely your rates will go up.
- Your insurance policy. Some insurance policies include a “deer collision” waiver, which means your rates will not increase after filing a claim for deer-related damage.
The best way to avoid a rate increase after hitting a deer is to be prepared. Make sure you have a clean driving record and comprehensive insurance coverage. You should also know whether or not your policy includes a deer collision waiver.
Here are some tips to help you reduce the risk of hitting a deer:
- Be aware of your surroundings when driving in areas where deer are known to be present.
- Slow down and proceed with caution in deer crossing zones.
- Use your high beams at night to help you spot deer on the side of the road.
- If you see a deer in the road, brake firmly and try to avoid hitting it.
If you do hit a deer, pull over to a safe location and call the police. Then, notify your insurance company and file a claim.
Here is a table summarizing the information in this article:
Factor Effect on Insurance Rates Driving record Clean driving record = less likely to see a rate increase Amount of damage More severe damage = more likely to see a rate increase Insurance policy Policy with deer collision waiver = no rate increase Alright folks, we’ve covered all the ins and outs of car insurance and deer collisions. Hopefully, you’ve got a clearer picture of how these incidents can impact your premiums. Remember, every situation is different, and it’s always best to contact your insurance company for specific guidance. Thanks for reading, and be sure to check back later for more insurance-related wisdom!