Question
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?
Answer
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
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. Be sure to check out our article explaining how and when to file a claim and what to expect at each step of the process. Good luck and if you have more questions, don't hesitate to ask.
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