I hit a deer. Is that covered under my collision insurance?
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UPDATED: May 10, 2010
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Insurance Question from GPO, NY
Asked on 05/10/2010
I hit a deer. Is that covered under my collision insurance? NULL
Answer given on May 18, 2010
Although it may seem strange, in the world of insurance, striking an animal is NOT considered a collision. The reason for this is a collision claim must always have a “fault” component to it, where at least one driver can be found liable for causing the accident. If you strike a stationary object, then you will be found at fault; if you strike another moving vehicle, either you or the other driver, or sometimes both of you, will be found at fault. But when you strike an animal, that is truly a “no fault” situation. Animals’ behavior can’t always be predicted, so the driver can’t be found at fault for hitting one; and the deer himself certainly can’t be held responsible for the accident. So the portion of your insurance that covers damage done by striking an animal is your Comprehensive or “Other Then Collision” coverage. You will also not be charged with an “at fault accident” for the purposes of surcharging on your policy.
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