Cars are expensive and accidents can cause serious damage to vehicles. That’s why it’s so important to get car insurance that provides protection against common disasters.
However, many drivers are unsure of what type of coverage they need to be protected against losses in specific situations. For example, motorists may not know what type of insurance they would need to pay for repairs to their car in the event they were involved in an accident with a deer.
When does car insurance cover motorists after an accident with an animal?
The good news is that it’s possible for car insurance to provide the money needed to repair or replace a vehicle after a deer accident. The bad news is not that all drivers will necessarily have the type of protection that would pay for losses in that particular situation.
You see, in order for a motorist to have insurance to pay for repairs after a deer incident, the driver would need to have comprehensive auto insurance coverage. This is a specific type of protection that pays for all damage suffered by the insured with his own vehicle that is not caused by a collision with another car.
Comprehensive auto insurance is the type of coverage that pays for deer damage if the driver involved in the accident only hits a deer. If a motorist swerved to avoid hitting a deer and crashed into another car instead, then the accident would be covered by collision insurance rather than comprehensive insurance.
Not all drivers have full coverage
While it’s good news that comprehensive auto insurance pays for damages when a driver is involved in an accident with a deer, the sad reality is that not all motorists will have comprehensive coverage. And if that protection is not in place before an accident occurs, the driver will have no coverage and will have to pay out of pocket for any damage caused by the deer.
The reason not all motorists have full coverage in place is that it is not required by law. While most states require motorists to carry liability insurance, this type of policy only pays for damages the driver causes to others. It does not offer the driver any protection for his personal vehicle in the event of an accident with an animal or following any other type of disaster.
While a driver with a leased car or who has an auto loan may be required to purchase comprehensive coverage by the lessor or lender, motorists who own their cars have the choice of whether or not to purchase comprehensive coverage. But if they choose not to, they run a huge risk of being left helpless after hitting a deer.
Most people cannot afford to pay directly for all the repairs their car may need. It is therefore important to understand the different types of cover available and to ensure that the right protection is in place before an accident occurs.
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