Does Insurance Cover Animal Damage to Car?

What is Animal Damage?

Animal damage to a car is any type of damage to a vehicle caused by an animal. This can include anything from a collision with an animal to damage caused by an animal’s claws or teeth. Animal damage can be quite costly to repair or replace, so it’s important to know if your insurance will cover it.

Do Car Insurance Policies Typically Cover Animal Damage?

In most cases, insurance policies will cover animal damage if you have comprehensive coverage. Comprehensive coverage is a type of coverage that helps pay to repair or replace your car if it’s damaged by something other than a collision, such as theft, fire, hail, or animal damage. If you have comprehensive coverage, your policy will typically cover the cost of repairs or replacement minus your deductible.

What if I Don’t Have Comprehensive Coverage?

If you don’t have comprehensive coverage, you may be responsible for the entire cost of any repairs or replacement. It’s important to note that most car insurance policies don’t cover animal damage unless you have comprehensive coverage. So, if you want to be sure that your car is protected from animal damage, it’s a good idea to add comprehensive coverage to your policy.

What if I Don’t Have Insurance?

If you don’t have insurance, you’ll be responsible for the entire cost of any repairs or replacements due to animal damage. Depending on the damage, this could be quite costly. So, if you don’t have insurance, it’s important to make sure that you’re taking all necessary steps to protect your car from animal damage.

Tips for Protecting Your Car from Animal Damage

• Park your car in a safe, enclosed space.
• Keep your car clean and free of food scraps.
• Pay attention to your surroundings when you’re driving.
• Be aware of animals in the area, especially at night.
• Avoid driving in areas where there are known to be wild animals.

Conclusion

Animal damage can be quite costly to repair or replace, so it’s important to know if your insurance will cover it. Most car insurance policies will cover animal damage if you have comprehensive coverage. If you don’t have comprehensive coverage, you may be responsible for the entire cost of the repairs or replacement. It’s also important to take steps to protect your car from animal damage, such as parking in a safe, enclosed space and avoiding areas where there are known to be wild animals.