Does Car Insurance Cover Animal Damage – Geico

The world is a wild place and accidents can happen when animals cross paths with your car. If you’re a driver, you may be wondering if car insurance covers animal damage. The answer is yes, but the specifics depend on your policy and the type of damage.

What Does Geico Car Insurance Cover?

Geico offers a variety of car insurance policies to meet your needs. The coverage options vary depending on the policy you choose, but can include property damage liability, medical payments, collision, and comprehensive coverage. Property damage liability covers damage to another person’s property caused by your car. Collision coverage pays for repairs or replacement of your car if it’s damaged in an accident. Comprehensive coverage pays for damage to your car caused by things like theft, vandalism, and, yes, animals.

What Type of Animal Damage Does Geico Cover?

If you have comprehensive coverage, Geico will cover damage to your car caused by animals. This includes damage caused by hitting an animal, like a deer, or damage caused by an animal to your car, such as scratching or chewing. However, coverage does not include damage caused by domestic animals, such as dogs and cats.

What to Do After Animal Damage?

If your car sustains damage from an animal, the first thing you should do is contact your insurance company and report the incident. Make sure you have all the details ready, such as the date, time, and location of the incident. Be prepared to provide photos of the damage, if possible. Your insurance company may also require you to file a police report.

What If I Don’t Have Comprehensive Coverage?

If you don’t have comprehensive coverage, then your car insurance won’t cover animal damage. In this case, you’ll need to pay for repairs or replacement out of pocket. However, if the animal is owned by someone else, you may be able to seek compensation from their insurance company.

In Conclusion

Having comprehensive coverage is the best way to make sure you’re covered if you suffer animal damage to your car. Geico car insurance offers comprehensive coverage and a variety of other coverage options to meet your needs. If you do suffer animal damage, make sure to contact your insurance company right away to start the claims process.