Does Auto Insurance Cover Damage from Animals?

Driving comes with its fair share of risks, one of which is damage caused by animals. Comprehensive auto insurance is designed to cover damage to your vehicle caused by events other than collisions. This includes theft, vandalism, natural disasters and damage caused by animals.

If you hit an animal in the road, comprehensive coverage may help cover the repairs. This policy may also help cover nesting damage or damage caused by animals biting or scratching your vehicle.

Comprehensive coverage requires you to pay a deductible. The extent of the damage covered will also depend on your policy details.

What to Do After an Animal-Related Accident

If you hit an animal while driving, follow these steps:

• Document the damage—Take clear photos of the damage to your vehicle and any injuries. This documentation will be helpful when filing a claim with your insurance company.
• File a police report—If the damage is substantial, you hit a large animal or other vehicles are involved, it’s wise to file a police report. This can be necessary for insurance claims and may also be required for certain types of damage.
• Contact your insurer—Report the incident to your insurer as soon as possible. Provide them with all necessary information, including photos and police reports.

Tips for Preventing Animal-Related Damage

While you can’t always prevent wildlife from crossing your path, there are some strategies you can use to reduce the risk of damage:

• Stay alert, especially when driving in areas known for wildlife. Pay attention to animal crossing signs and be prepared for sudden appearances.
• Reduce your speed in high-risk areas to provide more time to react if an animal appears.
• Regularly maintain your vehicle to help identify and address vulnerabilities in your vehicle that animals might exploit.

Contact Us

Contact Craddock Insurance Services in Gainesville, GA, for comprehensive auto insurance coverage at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.