Auto Insurance protects you and your vehicle from different types of disaster. Liability auto insurance cover is compulsory in many states whereas collision or comprehensive coverage is optional. But a comprehensive coverage in your auto insurance policy can protect your vehicle against unforeseen and natural disasters that includes a deer hit. Liability insurance cover protects you from any financial liability to others when you are involved in an accident whereas collision coverage pays for damages to your car. Comprehensive insurance coverage provides protection against damages that are caused by reasons other than collision. Damages of this type are due to floods, fire, vandalism, theft, tornadoes or falling of objects and animal hits. In case you hit a deer, your comprehensive insurance coverage will take care of the damages to your car. Comprehensive cover pays you when you hit any other animal. There is a deductible amount that you have to pay before your insurance policy pays for the remaining cost of repairs to your vehicle. It is therefore important to take the right type of auto insurance coverage for your vehicle.
Procedures to be followed when you hit a deer
When you hit a deer, you need to have the comprehensive coverage in order to claim insurance and should inform your insurance agent or insurance company about the incident. In some cases, the insurance rates could go up after making the claim with the insurance company. So to get the best monetary benefit or claim, you need to know how to handle your insurance claim.
An insurance appraiser will come and evaluate the damages caused to your car and will decide what would be the cost to repair your car. The repair cost or replacement cost is compared to the actual cash value of your vehicle. Replacement cost is actually the amount that would be required to replace or repair your vehicle. Actual cash value is the value of the vehicle just before it is damaged.
The actual amount of money that is required for repairing the vehicle is compared with the actual cash value of the vehicle. If the repair cost exceeds the cash value of your car, the car is considered to be totaled or a write-off case. In such cases you get the fair market value for your car. To prevent fraudulent claims, there is an amount that needs to be paid to the insurance company before they settle the claim. After assessing the damage caused, the auto insurance company will arrange to make a check payment. The check will be made in your favor.
Prominence of fatalities more in November
There are many cases of fatalities reported in United States with vehicles crashing with deer or other animals. In fact this has doubled over the last few years and more significant during the month of November. During the month of November, there is lot of movement of deer and insurance claims are also higher during this season.