Car accidents with deer are especially common this time of year. Driving at dawn and dusk are the highest risk times for deer crashes.
Hitting a deer can be costly: According to the Insurance Information Institute, the average cost of deer-crash insurance claims was $4,179 in 2017.
If you have comprehensive coverage on your car insurance policy, hitting a deer is typically a covered loss. Keep in mind that for comprehensive coverage to apply, your vehicle must make physical contact with the deer. In other words, if you swerve to avoid hitting a deer and crash into another object or vehicle, you would need collision coverage to help repair damage to your car.
When you purchase comprehensive or collision coverage, you choose a set deductible. That's the amount you'll pay out of pocket before your insurer reimburses you for a covered claim.
Check with your agent to be sure you have proper coverage.
Call Dennis Norby if you have any questions.
Hitting a deer can be costly: According to the Insurance Information Institute, the average cost of deer-crash insurance claims was $4,179 in 2017.
If you have comprehensive coverage on your car insurance policy, hitting a deer is typically a covered loss. Keep in mind that for comprehensive coverage to apply, your vehicle must make physical contact with the deer. In other words, if you swerve to avoid hitting a deer and crash into another object or vehicle, you would need collision coverage to help repair damage to your car.
When you purchase comprehensive or collision coverage, you choose a set deductible. That's the amount you'll pay out of pocket before your insurer reimburses you for a covered claim.
Check with your agent to be sure you have proper coverage.
Call Dennis Norby if you have any questions.
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