If you’ve hit a deer and you’re considering filing an insurance claim, there are several factors you need to consider. First, assess the extent of the damage to your vehicle. If the damage is significant, filing a claim might be beneficial to cover repair costs. However, if the damage is minor and repairable at a cost lower than your deductible, it might be more economical to pay out of pocket and avoid potential premium increases or losing a no-claims bonus.
Next, review your insurance policy to determine if it covers collisions with animals. Typically, comprehensive coverage includes such incidents, while liability insurance does not.
Additionally, it’s important to report the accident to the relevant authorities and get a police report, as insurance companies might require this documentation.
Consider potential future insurance costs as well. Some insurers might raise your premium following a claim, especially if you have a history of previous claims.
Ultimately, whether or not to file a claim depends on your specific circumstances, including the extent of the damage, your deductible, and your financial situation. It may be beneficial to consult with your insurance provider or a legal professional to understand the implications of filing a claim in your situation.
