Coverage & Claims

I was driving and the car in front of me hit a deer and I ran over it. Why won't my insurance cover it under comprehensive?

Hitting an animal is almost always covered under comprehensive coverage. Unless something else had happened, I would seek additional assistance with this claim because they should not be denying it.

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Coverage & Claims

I was driving and the car in front of me hit a deer and I ran over it. Why won't my insurance cover it under comprehensive?

Hitting an animal is almost always covered under comprehensive coverage. Unless something else had happened, I would seek additional assistance with this claim because they should not be denying it.

Coverage & Claims

I have full coverage and a non-owner hit a deer. Will insurance cover the damage?

As long as the driver is covered by the policy — they don't necessarily need to be listed — insurance should cover the damage. Most policies would cover a driver, who does not reside with you, borrowing the car.

Coverage & Claims

How can I get points off my license?

Hello, Unfortunately, there is no way to instantly remove demerit points from your license since there was a collision. In a case where an animal is involved, insurers typically rule it to be safer to hit the animal than to swerve trying to miss it.

Coverage & Claims

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

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.

Coverage & Claims

Can I file a personal claim after a car accident if it's my fault?

If your husband does not have collision coverage, then he does not have coverage for an at-fault accident. Typically single vehicle accidents (including swerving to avoid a deer) is considered at fault.

Car Insurance Costs

Can we process a claim with insurance if we did not call the police?

Since the other driver is at fault in the accident, you will want to file a claim with his insurance company. They would be the ones that will pay for your damages.

Coverage & Claims

Should I file a claim after hitting a deer with an old vehicle?

It really depends. In Arizona, a totaled vehicle is determined via a total loss formula.

Coverage & Claims

Does state farm require you have a police report to file a claim?

Most companies do not require you to have a police report to file a claim. Double check with State Farm to make sure but you shouldn't have any problems.

Eligibility

Failure to submit a breathalyzer's impact on car insurance rates?

This can be tricky to answer. In Maine, they have a law called Implied Consent.

Coverage & Claims

Should I file my second claim?

There's a couple of things to consider here. First, your first claim is considered a collision claim but your next claim would be considered a comprehensive claim.
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