10/01/2024 | News release | Distributed by Public on 10/01/2024 09:44
Auto collisions involving animals or deer account for 13.8% of reported motor vehicle crashes in Iowa. Understanding how auto insurance works in these situations along with effective prevention strategies can help you navigate the experience.
Understanding Coverage
If you find yourself in a collision with an animal, the type of auto insurance you have will determine what costs are covered. Most standard auto insurance policies include two key components for coverage:
If you only have liability coverage on your auto insurance as required by Iowa law an animal strike would not be covered.
Preventive Measures
While insurance can help mitigate financial loss after hitting an animal, prevention is key. Here are some effective strategies:
What to Do After a Collision
If you do hit an animal, the first step is to ensure everyone is safe. Move your vehicle to a secure location, call authorities, and stay away from it. It's crucial to document the incident for insurance purposes-take photos of the damage, note the time and location, and gather any witness information. File an insurance claim for damages, if they are more than your deductible.
Conclusion
Hitting an animal can be a distressing experience, but understanding your insurance coverage and implementing preventive strategies can help minimize risks and ensure you are financially protected. Regularly reviewing your insurance policy, staying vigilant, and taking precautions can significantly reduce the chances of an animal-related accident.