CarInsurance.com twitter.com/CarInsurance
> ZIP code:  Click & Quote
Get insurance now:
Car Insurance Resources:

Get Free Quotes Now

Zip Code:
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Professional Answer
A deer ran into the side of my Jeep Liberty. When I turned this over to my insurance company I was told that I had to pay the $250.00 deductible and the claim was filed under my comprehensive coverage. The body shop that estimated the damage to my vehicle told me that because the deer ran into my car that I should not have to pay the deductible. Two other people, that have different insurance companies than I, told me that when their vehicle was hit by a deer that they did not have to pay the deductible. Please let me know if I have to pay the deductible on this damage.

Your insurance company is correct that colliding with an animal, such as a deer, is covered under the comprehensive portion of your auto insurance policy. Under most circumstances when a claim is made to this part of your policy the deductible amount (which you chose when starting the policy) will apply.

With regards to the information you received from your friends and the body shop it might be that certain insurance companies will allow for the deductible amount to be waived for this type of incident. Speak with your insurance agent to find out exactly what your insurance company's rules and guidelines are.

Since state laws differ, it is possible that your state has laws in place that reduce or eliminate your deductible amount when your car is hit by wildlife. You might contact your state's insurance regulatory body to find out if this is true for your state.

Share this on: Tweet this! Add to Facebook Add Google Bookmark Digg This Windows Live Favorites Add to Del.icio.us reddit this!
StumbleUpon Save to Ma.gnolia Save to Blinklist Technorati This Submit to Propeller Furl It Seed Newsvine
Related Questions
Car Insurance RelatedMy fiance was driving my car and hit a deer. I only have liablity on the car;however, he has full coverage his car. Can we make a claim under his policy?
Car Insurance RelatedI hit a deer on a state owned road. Can I get my deductible waived since the deer is considered state property and the incident happened on a state owned road?
Car Insurance RelatedI hit a deer today. Will my auto insurance premium go up if I make a claim under my 'comprehensive' coverage of my auto insurance policy?
Car Insurance RelatedIf I hit a deer in NJ will my car insurance cover the damage?
Car Insurance RelatedI purchased my new car last Saturday. On my way out of the dealership, I hit a deer. All this happened 5 minutes after I said goodbye to the dealer and less than a half mile away from the dealership....
Car Insurance RelatedI hit a deer in Central Minnesota. Does insurance cover the collision or do we? Would this be a case of a run away cart? We do not have any control over a deer. Deer came out of no where. Was driving...
Car Insurance RelatedI live in New Jersey. This morning a deer jumped in front of my car and I struck it. I've heard that in the state of New Jersey if someone hits a deer they wouldn't have to pay their insurance deducti...
Car Insurance RelatedMy car was totaled by a deer. My insurance adjuster wants a copy of the bill of sale. I consider this confidential, do I have to supply him with this?
Car Insurance RelatedMy paint on both fenders and hood were scratched in a parking lot by stray dogs. Do I need to pay a deductible? Is this not like vandalism which I have experienced in the past and did not have to pay...
Car Insurance RelatedWhen I hit a deer, I did not have to pay a deductible, however, my friend hit a deer and she had to pay the $250 deductible. We live in Michigan. She has full coverage as I do. Why would she have to p...
Car Insurance RelatedI hit a deer in New York. There is not a lot of damage. Should I report it to the insurance company under no fault? And if so how does no fault work?
Car Insurance RelatedI live in Michigan. I hit a deer is there any laws about who pays the deductible?
Car Insurance RelatedI hit a deer, and had to get work done. I must pay the $500 deductible. Do I have to pay it all right away in full or can I make monthly payments?
Car Insurance RelatedIf you hit a deer in Georgia, will you have to pay a deductible and will it make your insurance rates go up if you get your car repaired?
Car Insurance RelatedI own a Jeep Wrangler and have full coverage insurance. In the summer time I run with the soft top and on some days nothing on it all. Even when the soft top is on and the doors are locked it only tak...
Car Insurance RelatedIf an insured hits a deer what coverage does it fall under? Comp or Collision? If a bird or other animal hits the car what coverage does it fall under?
Car Insurance RelatedDid NYS pass a law that no matter what $ amount for deductible for comprehensive, if you ever hit a deer you only need to pay $50 for deer loss?
Rate, add comments, or add help about your situation and this question.
Help us improve the largest car insurance website!

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way. You can add any helpful insurance comments to this page:
Visitor Comments
No visitors have commented on this answer.
Question Details
This car insurance answer was last updated 11:22 AM Dec-06.
This claims question was asked 2:39 PM Dec-05-2005.
Cathy requested this car insurance help from CarInsurance.com experts.
Rated 0 out of 10 based on 0 votes.
Claims
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms Of Use.
©2010 CarInsurance.com, Inc. - Online Insurance Marketplace™
safe and secure auto insurance   better business bureau car insurance   Tested, Safe, and Secure Car Insurance