While you do your best to stay safe on the road, there are certain factors you can’t control—such as a deer in the middle of the road. Luckily, auto insurance alleviates some of the stress involved with paying for collision repair. When the residents of Hilton and Spencerport, NY, face such a situation, they bring their vehicles to Heinrich Collision. Here, their professionals explain whether your auto insurance will cover the damage caused by hitting a deer.
Will Auto Insurance Cover Collision Repair After Hitting a Deer?
What Type of Auto Insurance Covers Hitting a Deer?
Comprehensive auto coverage usually includes repairs that involve making contact with a deer. This policy is meant to protect you from unpredictable and sudden occurrences, such as a deer colliding with your car or your vehicle catching on fire.
When Does Auto Insurance Not Cover an Accident With a Deer?
There are certain circumstances in which comprehensive auto coverage does not cover an incident with a deer. For example, when you don’t hit a deer, but have to swerve to avoid it. In the process of swerving, you might hit an adjacent vehicle or object. The damage to your car will then fall to collision coverage since an animal wasn’t directly involved.
How Much Are Insurance Claims When You Hit a Deer?
Regardless of whether you have comprehensive coverage or collision coverage for your car, your repair and replacement costs will depend on your deductible. As with any insurance, the deductible determines how much you must pay out of pocket before your insurance will step in. The Insurance Information Institute reported that the average cost of insurance claims from a deer collision was just over $4,000 in 2015.
Have you been in an accident recently? Give Heinrich Collision a call at (585) 392-7800 to schedule an appointment for collision repair. Heinrich Collision has been family-owned and -operated since 1957. They’ve proudly been in Hilton, NY, for three generations, catering to the collision and 24/7 towing needs of area drivers. They’ve become known for their friendly staff and straightforward auto services with computerized estimates that make the repair process much less stressful. Visit them online to learn more about their leading repair work.