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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?

Dec 13, 2018 Eugene, OR

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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

If you hit a raccoon, that would be considered a comprehensiveclaim. 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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