Auto insurance can help replace your car, pay for a rental, and cover medical bills when you’re in an accident. It can also cover property damage to the other person. However, whether auto insurance covers damages from hitting a deer can depend on several variables.
Type Of Coverage
The type of coverage you have usually determines whether the accident is covered. Liability coverage, which is typically required by most state laws, provides coverage for the other person’s medical bills and property damage. However, it won’t help you pay for damage to your vehicle if you hit a deer.
Comprehensive Coverage
Comprehensive coverage is usually available through most auto insurance companies, like Ottawa Insurance Agency. This type of coverage is designed for accidents and damage that isn’t caused by hitting another vehicle, and usually provides coverage if you hit a deer in Zeeland, MI. If you don’t have comprehensive coverage, your auto insurance will unlikely cover damages to your vehicle.
Collision Coverage
Most people mistakenly assume they need collision coverage, and that collision coverage will kick in any time there’s a collision. However, that’s untrue. Most collision coverage policies are designed to cover an accident with another vehicle, so they won’t help if you hit a deer.
Most people who live in rural areas will see a deer or two cross the road. However, missing them on foggy mornings and dark nights can be impossible. Deer whistles aren’t always effective. Instead, speak with your insurance agent at Ottawa Insurance Agency to make sure you have the necessary coverage before an accident happens. We’re currently serving the Zeeland, MI area.
