Is it considered an at-fault accident if I hit a tree?

I put on my brakes to avoid hitting a deer. My brakes locked up, which caused my vehicle to skid on the wet pavement and into a tree. Is this considered an at-fault accident or a mechanical malfunction?

Jul 14, 2019 Coos Bay, OR

Ross Martin

Jul 14, 2019

This is considered a single-vehicle accident which is considered at-fault. Unfortunately, in this instance, insurance companies would prefer that you not swerve to avoid a collision. Sadly, this can sometimes mean hitting the animal. If you hit the animal it would be considered a comprehensive claim instead of a collision claim. Collision claims will impact your rates for up to five years. Comprehensive claims do not impact your rates as much as a collision claim and only stay on your record for up to three years. For more information on when to file a claim, check out the link below.

Good luck and don't hesitate to ask if you have any further questions.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.