Halkos Insurance Agency - A Family Owned Independent Insurance Agency

Halkos Insurance Agency - A Family Owned Independent Insurance Agency

Call Us 301-206-5464 ☰ ˟
Logo
  • Our Products
    • Auto Insurance
    • Business InsuranceImage of right arrow
      • Business Owners Policy Insurance
      • Contractors Insurance
      • Cyber Liability Insurance
      • General Liability Insurance
      • Umbrella Insurance
      • Workers Compensation Insurance
    • Homeowners Insurance
    • Jewelry Insurance
    • Life Insurance
    • Flood Insurance
    • Recreational Vehicle Insurance
    • Specialty Automobile Insurance
    • Home Warranty
  • Get A Quote
    • Auto Insurance
    • Business Insurance
    • Flood Insurance
    • Homeowners Insurance
    • Life Insurance
  • Resources
    • Certificate of Insurance
    • Payment/Claims
    • File a Claim
    • Insurance Glossary
    • Pay My Bill
    • Refer a Friend
    • How to Lower Your Auto Insurance Rates
  • Blog
  • About Us
    • About Us
    • Careers
    • Our Carriers
    • Our Location
    • Privacy Policy
    • Nationwide Coverage
    • The Independent Agent Advantage
  • Contact Us
    • Contact Us
    • Join our Newsletter
  • Referral Partners
  • Call Us 301-206-5464
Home > Blog > How Car Insurance Covers Animal Collisions
WEDNESDAY, APRIL 13, 2022

How Car Insurance Covers Animal Collisions

One accident hazard that is present on every stretch of roadway is the risk of an animal strike. You never know when an animal might wander into your path, and if you can’t avoid them, then you might do a lot of damage to your car. It’s at this point that you might want your auto insurance to pay for the damage. 

Yes, your car insurance can help you pay for damage done in animal strikes. However, you have to have the necessary coverage—comprehensive coverage—within your policy in the first place. Here’s how it works. 
car with broken window
Comprehensive Insurance and Animal Strike Coverage 
If you have comprehensive physical damage coverage on your auto policy, that does not mean that you have auto insurance for 100% of your losses. It is a specific benefit within an auto insurance that is designed to insure your vehicle against physical damage that is not related to a wreck (I.e. storms, fires, theft).  

Animal strikes will have coverage under this benefit, even though they might be perceived as collisions by the affected driver. If you only have a minor collision with an animal, then you might find that there’s only minor damage, which might not necessitate filing an auto insurance claim (particularly if you have a high deductible on your policy). However, were your vehicle to sustain severe damage, then your comprehensive coverage can ensure that you receive a substantial settlement for the requisite repairs. 

What Happens if I Hit Another Vehicle?  
Maybe when you hit a deer, you swerve into oncoming traffic and hit another vehicle. Under the circumstances, you might be at fault for the other driver’s vehicle damage, since you hit them. Even though you were not necessarily in full control of your vehicle at the time you hit the other car, the fault lies more with you than the other driver.  

Therefore, your auto liability insurance will provide property damage and bodily injury coverage that pays for third-party losses when you are deemed at fault for the accident. However, this coverage does not pay for damage to your own vehicle, so you must carry both comprehensive and liability coverage within your policy if you want a more expansive policy.  

What Should You Do After an Animal Collision?  
After you strike an animal, immediately call the police and emergency services. They will respond to the scene, direct traffic and help you document the accident. Afterwards, contact your insurance company to learn what your next steps will be. They will start the claim and analyze the cause and effects of the accident. They will then determine exactly how much your policy can aid you for the ramifications of this accident. 
Posted 5:50 PM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • auto insurance(6)
  • home insurance(6)
  • renters insurance(4)
  • life insurance(4)
  • flood insurance(2)
  • general liability insurance(2)
  • bop insurance(2)
  • business(2)
  • car insurance(2)
  • business insurance quiz(1)
  • liability(1)
  • general(1)
  • workers compensation insurance(1)
  • paperless(1)
  • additional(1)
  • owners(1)
  • property(1)
  • bop(1)
  • hurricane season(1)
  • comprehensive coverage(1)
  • professional(1)
  • insurance(1)
  • cyber(1)
  • eco-friendly(1)
  • coverage(1)
  • policy(1)
  • homeowners insurance(1)
  • commercial auto insurance(1)

View Mobile Version

Get In Touch!
301-206-5464

Contact Us
Facebook Google Maps Instragram Twtter Facebook Like

Resources

  • Quotes
  • Certificates of Insurance
  • Payments & Claims
  • About
  • Refer
  • Blog
  • Contact

Contact Us

8635 Cherry Lane
Laurel, MD 20707

P: 301-206-5464 |Alternate: 301-490-5300 | info@halkosinsurance.com
© Copyright 2021. All rights reserved. | Powered by Insurance Website Builder