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How Do I Know if my Insurance Company Will Cover Me Hitting a Deer?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/16/2011

If you have comprehensive coverage and the damages are more than your deductible, there should be coverage.

Whether or not our insurance company will cover damages to our vehicle after an accident is a worry for most drivers. What if there is a special exclusion for the accident that I was just in? What if I don’t have the right coverage on my vehicle? There are so many “what if” questions going through heads that we get worked up for really no reason.

For those that carry comprehensive and collision coverages on their vehicles, almost every type of accident that has caused damage to your vehicle will be covered. In the case of a deer hit, the damages will be paid out under your comprehensive coverage.

Also don’t forget about your deductible. What the insurance company pays out for your claim will depend on how high your deductible is. For example, say the deer that you hit caused $750 worth of damages to your vehicle. If you have a $500 deductible, the insurance company will only pay out $250 for the damages. You are responsible for paying the $500 to the body shop that you deductible is set at.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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