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For example, damage from hitting a deer or a bird flying into your windshield could be covered. Comprehensive insurance may also cover damage from pests, such as a rat chewing through wiring ...
Insurance companies may do this because it's not always possible to determine how badly a car is damaged — and how expensive the fix will be — before the repairs begin.
Covers damage when you hit another car or they hit you, regardless of who's at fault. Stationary object impacts. Pays for repairs if you hit guardrails, fences, light poles or other fixed structures.
A contributing factor to deer-vehicle collisions is the time of day at which motorists travel through deer habitation. [16] During the daytime, motorists can more easily see and avoid hitting deer. At night, most especially during the dusk and dawn hours, deer are much harder to see, which increases the chance of collision.
"Prior acts" (or "nose") coverage transfers the retro-active date for an old policy to a new insurance carrier—eliminating the need to purchase tail coverage from the last carrier. Nose coverage is usually less expensive than purchasing tail coverage from the old carrier. Tail coverage costs 2–3 times the expiring premium.
Damage to the car from animal crashes generally falls under a driver’s comprehensive coverage. This article originally appeared on The Providence Journal: Car crashes caused by deer spike ...
The worst risk is in West Virginia, where drivers have a 1-in-40 shot at hitting an animal. (Some context: Your odds of being struck by lightning in a given year are 1 in 1.22 million.
If you do end up hitting an animal, there are a few steps you should take, according to the DNR. These steps are specifically for deer-related crashes: If possible, get your vehicle safely off the ...