I just got full coverage insurance a week ago and I ended up hitting a deer. I’m afraid that they won’t fix my car because the insurance is too new. Will they approve my comprehensive claim although it’s only been a week?
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UPDATED: Jul 9, 2018
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Insurance Question from Chicago, IL
Asked on 07/09/2018
I just got full coverage insurance a week ago and I ended up hitting a deer. I’m afraid that they won’t fix my car because the insurance is too new. Will they approve my comprehensive claim although it’s only been a week? I only had my insurance for a week and hit a deer in Alsip Illinois by the cemetery. Afraid they wonâ€™t fix my car because my insurance is new. Will my Claim still get approved?
Answer given on July 18, 2018
Presuming that your insurance coverage was approved and you paid your down payment or full premium due for the policy term, the insurance company should have no problem processing and paying your claim on the damage to your car caused by hitting a deer. Also, this is considered comprehensive insurance, and there should be no impact to your insurance premiums going forward.
Contact your insurance company and file the claim. They will want to see your car, or have you take it to an authorized repair facility to make an estimate as to the cost of the repairs. Your comprehensive deductible will apply, but this is usually lower than the collision deductible on your car. If you have rental car coverage, you can also get a rental car for the time the car is being repaired. If you do not, sometimes a repair shop can lend you a car at a reasonable price.
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