Does Insurance Cover Hitting an Animal?

What is Animal Collision Coverage?

Animal collision coverage is a type of insurance that covers any damages caused when you hit an animal with your car. This type of coverage is usually offered as part of a comprehensive car insurance policy, and it can help cover repair costs to your car if you hit an animal. It can also help cover other additional costs, such as rental car fees, towing fees, and medical costs if you’re injured in the accident.

What Animals Are Covered?

Animal collision coverage typically covers most animals that you might encounter on the road, such as deer, moose, elk, and bears. It may also cover smaller animals, such as cats, dogs, and raccoons. However, it’s important to note that if you hit an animal that is considered to be a pet or livestock, you may not be covered.

What Does Animal Collision Coverage Not Cover?

It’s important to remember that animal collision coverage does not cover any damage to the animal itself. This type of coverage is designed to cover damage caused to your car, not the animal. Additionally, animal collision coverage does not cover any damage caused to property or other vehicles.

What Should I Do If I Hit an Animal?

If you do hit an animal with your car, it’s important to stay calm and take the necessary steps to protect yourself and your car. You should call 911 if you need medical help or if the animal is blocking the road. You should also call the police to report the accident and your insurance company to file a claim. It’s also a good idea to take pictures of the scene and the damage to your car.

Conclusion

Animal collision coverage is a type of insurance that can help cover repair costs and other additional costs if you hit an animal with your car. It typically covers most animals you might encounter on the road, but it does not cover damage to the animal itself or damage to property or other vehicles. If you do hit an animal with your car, it’s important to stay calm and take the necessary steps to protect yourself and your car.