Stop when it's safe · 2.Inspect your vehicle for damage · 4.Take pictures of the accident · 5.This will reimburse you for loss due to theft or damage caused by something other than a collision with another car or object. This could include fire, acts of vandalism, or contact with an animal, such as a deer. Ask if your passengers are OK. If they are not injured, get them out of the vehicle safely and away from the traffic flow if possible.
Everyone can stay in the car if you're out of the way and there's little traffic on the road. What you need is comprehensive coverage if you want your car insurance to pay for damage to the vehicle caused by hitting an animal. And lastly, if anyone in your vehicle was injured in the collision, you should definitely involve the authorities. You may have even seen larger animals near the road, such as moose in mountainous areas or cows in areas with open areas.
The best way to reduce the chances of hitting an animal on the road is to drive defensively, especially at night. You probably don't have to worry about proving to your insurance company that a deer or other animal damaged your car. By calling the police right away, you reduce the chance of someone else hitting the animal or your vehicle. Smaller animals, such as raccoons, could also cause serious damage depending on the severity of the collision.
Depending on your circumstances, when something unexpected happens, do the following: Remember that a large, injured animal can attack you, so don't put yourself or anyone else in a dangerous position until you're sure it's safe. Not only does this give the injured creature a better chance of recovering, but it also keeps you safe from potential injuries caused by the endangered animal. Most of the time these animals know that they should stay away from noisy vehicles on the road, but sometimes they end up on the road at the same time as a car. If the deer (or other animal) doesn't hit your vehicle directly and cause the damage, you'll need another type of car insurance.
It's generally a good idea to document the scene of the accident, even if your car shows no damage. Your chances of hitting a deer or other large animal are particularly high if you live in West Virginia, during the fall and winter months and at dusk or dawn. Property damage liability usually doesn't cover damage to your car or motorcycle, which is why some drivers choose to add collision coverage to their policy as well. Comprehensive coverage is an optional addition to your car insurance that helps repair or replace your car in the event of damage beyond your control, such as a blow to an animal, fire, or theft.
Rent reimbursement helps ensure that you have a vehicle to drive after an accident if yours is in the workshop to be repaired.