who is responsible for claim

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 6, 2012

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Insurance Question from Heath, OH

Asked on 11/06/2012

who is responsible for claim i hit a deer with my car. while looking at the car and the dying deer a hunter showed up with his bow and arrow and said he had just shot the deer and it was his. who's insurance is responsible for the damage....mine or the deer hunter

Answer given on November 07, 2012

If you hit a deer in your car, the insurance coverage is under your comprehensive coverage. This is the same coverage as fire, theft, vandalism and the like. It is not considered a collision loss. Comprehensive usually has a lower deductible than collision coverage, and such a loss will not affect your insurance rates.Even though the hunter admitted that he had injured the deer, it is unlikely this would be considered his responsibility. I would recommend that you turn in the claim to your insurance company. They will pay for the damages to the car, less your deductible. You can tell the adjuster about the hunter, and if you got his information, give that information to the adjuster. If they decide to try to get reimbursement from the hunter, and are successful, you will get your deductible reimbursed.

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