Should I file a claim for raccoon damage?

I hit a raccoon am I at fault? And how much will it cost out of pocket as my deductible?

If you hit a raccoon, that would be considered a comprehensive claim. Your deductible would apply. You need to get an estimate for the cost to repair the damage. Once you have that you can decide if it is worth filing a claim considering your deductible. You also want to consider your claims history. The comprehensive claim will likely go onto your claims report and can impact your rates for up to three years. Here is more information on when to consider not filing your claim. If you decide to file your claim, here is information on what you can expect. Good luck and if you have any questions, don't hesitate to ask.