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Animal collision | Hit a deer
I just hit a deer in the hi-way. My bumper, engine cover on the wheel side is totally damaged.
Can insurance company help me and will it affect my premium package?
I am sorry to hear about your accident. I hope you are okay. Can your insurance help? It will help you only if you have comprehensive coverage, please see:
Collisions with animals are considered comprehensive claims (99% of the auto policies read this way).
Will this affect your rates? Yeah, probably. Insurance companies use claims to determine risk. A claim shows that you might not have been as careful as you should have been and therefore you got in an accident. It is not always fair, but that is often the reasoning.
I hope this helps,
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