Does My Auto Insurance Cover Animal Damage?

​Animals are unpredictable, and they might be difficult to avoid when they suddenly leap out from tall weeds, a house, or a neighboring forest. 

Slow down when driving along roads with animal danger signs. Because animals tend to appear out of nowhere, you must allow yourself to respond safely.

If you reside in a place where animals are allowed to roam, you may be vulnerable to damage. Fortunately, animal damage is often covered by your auto insurance policy. And, if you have comprehensive coverage, your automobile insurance may cover all animal car incidents.

What is Comprehensive Coverage?
You may add comprehensive coverage to your auto insurance policy to cover vehicle damage. It is also the only form of coverage that may cover physical damage to your vehicle that does not involve a stationary object or another vehicle.

Additionally, comprehensive insurance may protect your vehicle in the event of a non-driving risk. This coverage includes fire, theft, vandalism, severe weather, and falling items. 

Suppose your vehicle is stolen or entirely damaged by one of the risks covered by comprehensive coverage. In that case, your insurance provider may pay up to the actual monetary worth of your vehicle.

Scratches and Bites from Rodents
In most cases, car insurance may cover you if a rodent gets into your vehicle and causes havoc. If an animal, such as a raccoon, tears up your seats and nibbles on your steering wheel, your automobile insurance may cover the costs. 

The same is true if the rat manages to eat through wiring. If you discover a rat or evidence of rodent damage in your car, do not drive until you are certain it is safe.

Deer Accidents
There are areas in the country where deer are highly populated, which may explain why there are so many deer-related road accidents each year. Luckily, comprehensive insurance may cover striking a deer. 

Deer accidents can inflict substantial damage to your vehicle and injury to you and your passengers. If you strike a deer, call the cops to help clear the animal off the road and submit a police report. 

When you are ready to make a claim, you will be assigned a claims adjuster to assess the damage and decide how much your insurance will compensate you.

Final Words
Animals may inflict hundreds to thousands of dollars in damage to your vehicle, ranging from minor scratches to completely wrecking your vehicle. However, while auto insurance can pay for repairs after the fact, it is preferable to avoid animal damage in the first place.

At Jacobs Insurance Solutions, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (817) 485-8989 or Click Here to request a free quote. The coverage discussed in this article is not guaranteed. Please call our agents, we are happy to help you learn more about your plan and make sure you have the coverage you need.