Are you Insured for Deer Accidents? Now is the Time to Check.
With the fall soon approaching, look for deer-caused-accident numbers to be on the rise. In states with medium to large deer populations, October through December (migrating and mating season) are the months where the amount of accidents involving deer increase dramatically. Most insurance policies offer coverage benefits that you may not know about when in this type of situation occurs.
Be sure your policy mentions accidents with deer
Drivers tend not to look at the details of their policy until tragedy strikes and the need for a claim arises. When there is a reoccurring seasonal problem like deer collisions, many drivers will be making claims all around the same time of year, so it is important to know what your coverage is before calling into a busy office or claim center. There may be some extra benefits in regards to your deductible or other options regarding acts-of-nature accidents.
Accidents involving deer costs
The I.I.I (Insurance Information Institute) reports that accidents involving deer can cost $2,800 per claim and as much as $10,000 if the is personal injury to the driver or passengers. These costs can be devastating if drivers don’t carry the correct amount of coverage.
Comprehensive coverage
When it come to coverage for these types of wildlife accidents, comprehensive is the way to go. Comprehensive will reimburse the insured for loss due to accident with deer, birds and other animals that cross roads and come into contact with automobiles. Without comprehensive, it may be that your policy will not cover a rental, so it pays to check ahead of time.
Enjoy the rest of your summer and make sure your policy(s) are up-to-date!