What You Should Know
- Liability coverage protects you financially if you’re at fault in an accident that causes injury or property damage to others
- Collision coverage typically covers damages to your vehicle in a collision with another car or object
- Comprehensive coverage protects against damages caused by events other than collisions, including animal-related accidents
Dealing with car insurance can be overwhelming, especially concerning which damages are covered. Your car may be damaged after a collision with an animal, and you may sustain injuries.
That’s why it’s essential to know — does auto insurance cover damage caused by a collision with an animal if you only have liability coverage?
In this article, you’ll learn what liability auto insurance covers and when insurance pays for damage caused by a collision with an animal. Furthermore, you’ll gain insight into what to consider when choosing the best affordable auto insurance companies.
Auto Insurance That Covers Damage Caused by an Animal Collision
Liability auto insurance coverage focuses on injuries and property damage to others. It does not typically cover damages to your vehicle. Its primary purpose is to protect you financially if you cause harm to others in an accident.
Collision Coverage and Animal-Related Accidents
Collision coverage is designed to cover damages to your vehicle in case of a collision with another car or object. Whether collision coverage covers damages caused by a collision with an animal depends on your specific policy and insurance provider.
Some policies may include coverage for such accidents, while others may not.
Review your insurance policy documents to determine if your collision coverage includes animal-related accidents. It’s also important to consult your insurance provider to clarify coverage details and potential limitations. They can provide accurate information based on your specific policy.
Comprehensive Coverage and Animal-Related Accidents
Comprehensive auto insurance covers damages caused by events other than collisions. This includes theft, vandalism, and animal-related accidents. Comprehensive coverage may cover damages caused by colliding with an animal, subject to the terms and conditions of your policy.
Having comprehensive coverage can be valuable in protecting your vehicle from significant damage caused by animal collisions. These accidents can cause severe harm to your car, and comprehensive coverage ensures that you’re financially protected in such situations.
If you live in areas prone to animal collisions, adding comprehensive coverage to your policy may be wise. Moreover, you should also learn how to file an auto insurance claim.
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Get The Right Auto Insurance to Cover Damages Caused by Colliding With an Animal
Liability coverage typically covers damage or injuries caused to other parties and their vehicles. Therefore, damage to your car caused by an animal collision will not be covered. While collision coverage may cover animal-related accidents, depending on your policy, it’s also not ideal.
The best way to ensure sufficient coverage against such incidents is to buy comprehensive car insurance.
It’s essential to review your insurance policy and consult with your insurance provider to determine the specific coverage provided for animal-related accidents.
Adding comprehensive coverage to your policy can offer valuable protection against damages caused by animal collisions, but remember to clarify coverage details and any potential limitations with your insurance provider.
Frequently Asked Questions
Can I add comprehensive coverage to my existing auto insurance policy?
You can typically add comprehensive coverage to your existing policy. Contact your insurance company to find out how much your auto insurance rates increase when you add coverage.
Can I purchase collision or comprehensive coverage separately?
Collision and comprehensive coverage are often offered separately, allowing you to customize your insurance policy according to your needs.
Will filing a claim for an animal collision affect my insurance rates?
Filing a claim for an animal collision can affect your insurance rates. If you have such concerns, discuss them with your insurer to understand the potential impact.
What should I do if I hit an animal with my car?
After an animal collision, your safety and that of other parties is the top priority. Begin by slowing down and pulling over to a safe location. Then contact the appropriate departments, including the local police and animal control.
How much do collision and comprehensive coverage cost?
Different factors influence the cost of collision and comprehensive coverage. These include your vehicle, driving history, and location. It’s best to contact your insurance provider for an accurate quote.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance…
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