{"id":119503,"date":"2024-12-04T04:17:05","date_gmt":"2024-12-04T04:17:05","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-hitting-an-animal-raise-your-insurance\/"},"modified":"2024-12-04T04:17:05","modified_gmt":"2024-12-04T04:17:05","slug":"does-hitting-an-animal-raise-your-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-hitting-an-animal-raise-your-insurance\/","title":{"rendered":"Does hitting an animal raise your insurance?"},"content":{"rendered":"

When you’re driving, unexpected things can happen, and one of the most common surprises on the road is encountering an animal. Whether it’s a deer darting across the street or a squirrel suddenly running in front of your car, hitting an animal can be a frightening and unfortunate experience. It’s not only concerning for the well-being of the animal, but it can also lead to damage to your vehicle. This brings up the question: does hitting an animal raise your insurance?<\/p>\n

The short answer is: it depends. In most cases, hitting an animal is considered a comprehensive claim rather than a collision claim. Comprehensive coverage typically covers damages to your vehicle that are caused by incidents other than collisions, such as hitting an animal, vandalism, theft, or acts of nature. Since comprehensive coverage is optional, if you don’t have it, hitting an animal won’t be covered by your insurance at all.<\/p>\n

If you do have comprehensive coverage, hitting an animal may raise your insurance rates. Insurance companies take into account various factors when determining your rates, and filing a claim – even if it’s for hitting an animal – can be one of those factors. While it’s not guaranteed that your rates will go up, it’s a possibility.<\/p>\n

There are exceptions, however. Some insurance companies offer “accident forgiveness” programs that may prevent your rates from increasing after your first claim. It’s important to check with your insurance provider to understand how hitting an animal could potentially affect your rates.<\/p>\n

Ultimately, the best course of action is to drive safely and be vigilant on the road to avoid hitting animals whenever possible. If you do find yourself in a situation where you’ve hit an animal, make sure to follow these steps: <\/p>\n

1. <\/p>\n

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