Hitting A Wild Animal
One of the most common animal-related accidents drivers experience is hitting a wild animal, such as a deer. Large wild animals (deer, moose, large birds, and coyotes) can cause serious damage to your vehicle, your passengers, and yourself in an accident.
These animals are fast and often startle easily when standing near a road with fast-moving traffic. Drivers are often left with little to no time to avoid a collision when a wild animal darts out in front of their car. Fortunately, insurance companies tend to view these accidents as unavoidable.
Having comprehensive coverage for your vehicle can protect you in the event you hit a wild animal. Comprehensive coverage protects your vehicle against any damage caused by random, unpredictable events, such as a deer jumping in front of your car. It should be noted that drivers who do not have comprehensive coverage may end up paying for the damages out-of-pocket.
Filing a police report is always a good idea if you have hit a wild animal and damaged your vehicle. Your insurance carrier may not require a police report for you to file a claim but the report can make the claim process easier. A police report can also protect you from insurance companies trying to deny the accident actually happened.