Does Car Insurance Cover Animal Damage?

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Every year, animals cause a large number of traffic accidents. Animals are unpredictable, and they might be difficult to escape when they leap out from thick weeds, a dwelling, or a neighboring forest. Some automobile insurance policies cover animal damage, and car insurance companies treat virtually all animal car accidents the same way.

Accidents involving animals are covered by comprehensive insurance.

Knowing what to look for and how to manage an insurance claim caused by animal damage may save you time and money.

  1. If you have comprehensive coverage, your automobile insurance may cover all animal car incidents. Take photographs of the damage and contact your insurance company if you need assistance submitting a claim.
  2. The harm must cost more than your deductible. Otherwise, you will be responsible for the whole cost of repairs.

It is essential to file a police complaint. Even if there is no “suspect” for them to arrest or ticket, reporting your collision to the police shows to your insurance carrier that it occurred.

Specific Animal Care Instructions

Handling various sorts of animal damage differs depending on whether or not the animal has an owner. Pet owners are often held accountable for animal mishaps.

Of course, wild animals like deer do not have owners, but you may be questioned about it if you file a claim. It’s all part of the procedure to ensure that the claim is submitted correctly.

Does Car Insurance Cover Animal Damage? Source: Freepik


As you can expect, striking such a massive animal will do significant damage to your vehicle. As with striking a dog, the cow’s owner would be liable for any harm caused by the cow’s presence on the highway.

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You may submit a comprehensive claim under your automobile insurance policy and then have your insurer subrogate the claim.

The insurance company would pursue the animal’s owner. If you make a claim under your automobile insurance coverage, your vehicle may be repaired sooner.


Deer are by far the most frequent animals killed on American highways.

They are huge enough to do major damage to your vehicle and, in some cases, to injure the driver and passengers. Everything is determined by the kind of vehicle and its speed.

Because deer are so common, it is essential to get a police record, which will be particularly useful if you have just acquired your auto insurance policy or if you have recently filed another deer claim.

It will provide details about the accident to your insurance claim adjuster for verification.

Some insurance companies do not need a police record; check with your agent if you are uncertain.


A raccoon may seem little and harmless in a car collision, but it is still capable of causing significant damage, depending on the kind of vehicle you drive.

If you struck a raccoon with your automobile and drive a compact, have it checked out right away.

The animal is likely to have damaged the undercarriage, which might have serious consequences if not repaired.


Often, the only damage caused by birds is to the windshield. Comprehensive coverage includes windshield coverage as well.

If you have a deductible, check with local glass shops to see if they waive deductibles.


Hitting a dog with your automobile differs from hitting other animals in that dogs frequently have owners. Owners are liable for harm caused by their dog when it is not restrained properly.

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The damage is usually covered by the dog owner’s homes insurance. If there is no such insurance, the dog’s owner will be held personally liable.

Sometimes the owner would rather pay for the damage out of pocket than file a claim. Small claims court is sometimes necessary.

Everything is dependent on how the owner reacts to the circumstance.

If you are unable to identify the dog’s owner, the damage will be covered by your automobile insurance policy’s comprehensive coverage.

Does Car Insurance Cover Animal Damage?

Complete Protection

Your complete coverage would also cover animal damage that isn’t specified here. Comprehensive coverage protects your vehicle against physical damage that does not involve a fixed object or another vehicle.

Comprehensive coverage will also come in handy if you have storm damage, flying debris, fire, or theft. 1

Check your auto insurance policy to be sure you’re covered. If you have obtained comprehensive or other than collision coverage, your declaration page should reflect this.

What is the procedure for filing an auto insurance claim?

If someone was wounded in an accident or collision, property was destroyed, or your vehicle was damaged, you should submit a car insurance claim.

You may make a claim by contacting your insurance provider through phone or online.

If you submit a claim via the internet, an agent will contact you to go over the specifics and get more information.

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