Auto-Deer Collision? — Your Auto Insurance May Cover More Than You Think

AUSTIN, Texas Insured drivers whose cars are damaged in auto-deer collisions may be covered for more than they think. With deer migrating and mating season occurring between October and December, Better Business Bureau and the Insurance Information Institute recommend that drivers read their auto insurance policy closely or they could miss out on reimbursements or other benefits they are entitled to receive.

“Drivers spend a lot of money on auto insurance, but too often they wait until they need to make a claim after an accident and don’t remember what their policy will cover,” says Carrie A. Hurt, President and CEO of BBB Serving Central, Coastal and Southwest Texas. “When there’s a seasonal problem like deer collisions and many people are making claims simultaneously, it’s important for car owners to ask the representative handling their claim about their coverage and deductible, as well as any options that are included, so they get their money’s worth.”

According to the Insurance Information Institute (I.I.I.), a non-profit organization, on average, deer-vehicle collisions cost $2,800 per insurance claim; $10,000 if there is an injury to the driver or a passenger.

Only comprehensive coverage reimburses drivers for loss due to contact with animals such as birds or deer. This fact often causes confusion among drivers who are not aware that collision coverage will not cover an auto-deer collision. In addition, most auto insurance policies do not automatically cover the cost of a replacement rental car after an accident.

“Although many states do not require that you purchase comprehensive coverage, your lender may require it until your car loan is paid off,” says Carolyn Gorman, vice president of the I.I.I. “Comprehensive insurance is usually sold with a $100 to $300 deductible.”

Although many drivers have coverage for a replacement rental car, they may not realize it because this optional coverage was added at such a minimal expense, usually just a couple of dollars a month. This coverage provides immediate access to a replacement rental car until repairs are made to their damaged car or they are authorized by their insurance company to purchase a new car.

Drivers also should know if they have Gap Coverage. If their car is totaled, drivers with this coverage may not have to continue making payments on the balance owed on the car. Gap coverage pays the difference between the amount the insurer pays for the totaled car and the amount the insured owes on his or her lease or loan. Without this coverage, drivers are responsible for paying the remainder of their lease or loan even when their car is totaled.

The best advice is to be prepared to know what your auto insurance covers and what you should do if your car sustains damages by following these tips: