Yes, it is likely your car insurance premium will increase if you file a claim for an accident involving a deer, even though such incidents typically fall under comprehensive coverage.
Understanding Deer-Related Claims and Your Insurance
When a deer hits your car, or you hit a deer, the damage is generally covered by the comprehensive portion of your auto insurance policy, not your collision coverage. Comprehensive coverage handles damage to your vehicle from events other than collisions with other vehicles, such as theft, vandalism, natural disasters, and animal impacts.
While a comprehensive claim usually does not increase insurance rates as much as a collision claim, it's still possible and often likely that you'll see an increase in your premium at your next renewal if you file a claim for an accident involving a deer. Insurers view any claim, regardless of fault, as an indicator of increased risk.
Why Your Rates Might Go Up
Several factors contribute to a potential premium increase after a comprehensive claim:
- Claim History: Insurers review your claims history when determining your rates. More claims, even comprehensive ones, can signal a higher risk profile.
- Claim Amount: The total cost of the repairs or payout for the deer-related damage can influence the rate increase. Higher payouts generally lead to larger increases.
- Driving Record: Your overall driving record plays a role. If you have other recent claims or violations, a new comprehensive claim could compound the perceived risk.
- Insurer's Policies: Each insurance company has its own underwriting guidelines and rate-setting algorithms. Some insurers are more lenient with comprehensive claims than others.
- State Regulations: Insurance regulations vary by state, which can affect how claims impact your premiums.
| Claim Type | Coverage For | Typical Impact on Rates |
|---|---|---|
| Comprehensive | Animal collisions, theft, vandalism, weather | Moderate increase likely |
| Collision | Accidents with other vehicles or objects | Significant increase |
For more information on what comprehensive coverage entails, you can refer to resources like What is Comprehensive Car Insurance?
Deciding Whether to File a Claim
Before filing a claim, consider the following:
- Deductible Amount: Compare the estimated cost of repairs to your comprehensive deductible. If the damage is less than or only slightly more than your deductible, it might not be worth filing a claim, as the potential rate increase could offset the payout.
- Severity of Damage: For minor damage (e.g., a cracked headlight), paying out-of-pocket might be more cost-effective in the long run than risking a premium hike.
- Claim History: If you've had multiple claims recently, even small ones, filing another could significantly impact your rates.
What to Do If You Hit a Deer
If you're involved in an accident with a deer, follow these steps:
- Safety First: Pull over to a safe location if possible. Turn on your hazard lights.
- Assess Injuries: Check yourself and any passengers for injuries. If anyone is injured, call 911 immediately.
- Do Not Approach the Deer: A wounded deer can be unpredictable and dangerous. Keep a safe distance.
- Call the Police: In many areas, it's advisable to report the incident to the police or local authorities, especially if there's significant vehicle damage, personal injury, or if the deer is obstructing traffic. A police report can be helpful for your insurance claim.
- Document the Scene:
- Take photos of your vehicle's damage, the deer (if visible and safe to do so), and the surrounding area.
- Note the location, time, and any relevant details.
- Contact Your Insurance Company: Report the accident to your insurer as soon as possible to begin the claims process. They will guide you through the next steps.
- Do Not Drive a Damaged Vehicle: If your vehicle is unsafe to drive due to damage, arrange for a tow.
While an accident involving a deer can be stressful, understanding how it affects your insurance can help you make informed decisions about filing a claim and managing potential premium changes.
