Understanding Your Car Insurance Claim: Deer Collision and What You Should Know
Deer Collisions and Insurance Claims: Navigating the Process with a New Policy
Recently, my son was involved in an unexpected accident where a deer suddenly ran into the road and collided with his vehicle. Thankfully, he was driving a car covered by comprehensive insurance, which helped protect him from significant financial loss. After the incident, we promptly filed a claim with Geico. However, we’ve been informed that due to the policy being less than 55 days old, the claim is undergoing additional scrutiny.
While my son took clear photos of the scene and the vehicle damage—affirming that this was an unavoidable, non-negligent event—I’m seeking guidance on what to expect moving forward. Specifically:
- Is it common for insurers like Geico to delay or investigate claims for new policies?
- Could this investigation lead to the claim being denied or even the policy being canceled, despite the incident being unavoidable?
- What steps can we take to ensure the claim is handled fairly and efficiently?
Dealing with insurance claims after unexpected accidents can be stressful, especially when the incident is clearly outside of your control. If you have experience navigating similar situations—particularly with recently initiated policies—your insights would be greatly appreciated.
Stay informed and prepared to ensure your claim is processed smoothly, and always keep detailed records and photos to support your case.
