3 Things To Know About Car Insurance And Animal Collisions
Auto insurance is designed to protect you if you are involved in an accident, and most people instantly think of accidents that take place with other vehicles, but these are not the only types of accidents people have. There are many times when people collide with animals while driving, and this is a totally different type of event, yet insurance can still cover it. Here are three things you should understand about car insurance and collisions with animals.
You need comprehensive coverage for these types of collisions
With auto insurance, there are two main types of coverage. The first is collision coverage, and this protects your car if you cause an accident and need repairs for your own vehicle. The other type of coverage is called comprehensive, and this coverage is designed for other types of damage you might encounter with your vehicle, including collisions with animals. Comprehensive also covers damage from theft, hail, and storms. While you might not legally be required to have this coverage, it will greatly help reduce your out-of-pocket costs if you ever encounter damage from any of these types of events.
You should follow these steps after an accident occurs
If you have comprehensive coverage when you have an accident with an animal, you will be able to file a claim for the damages. If you plan to do this, it is important to take the right steps after the accident occurs, though, and the first step you should take is to pull off the road to see the damage from the collision. Secondly, you should consider calling the police to document the animal collision. Additionally, you should consider taking pictures of the damage and of the animal you collided with, if possible. After doing all of these things, you should call your insurance company to begin the claim's process.
You should aim to avoid animal collisions by following these tips
It is almost impossible to avoid animal collisions, as animals often run onto the road so quickly, but there are several things you should keep in mind if you want to avoid animal collisions in the future. The best thing to do is to make sure you are fully alert while driving, especially during seasons when animals are out more than usual. Secondly, you should be extra alert if you see one animal run across the road, as animals usually travel in groups.
If you are ever involved in an accident with an animal, you will be covered if you have comprehensive coverage. Comprehensive coverage offers a lot of different forms of coverage, and it is an important type of insurance to include on your auto insurance policy.