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Q

In PA if you hit a deer does your premium usually go up or is it considered an act of nature? We were on I-70 and there was no way to avoid it. It jumped 4 lanes of traffic and ran into the driver front side and hood of my car. I slid on ice 2 years ago and hit a guardrail and my rates raised 33% for 3 years, so I am worried about my rates increasing again.


A

According to the Pennsylvania Insurance Department an additional premium charge (surcharge), is allowed to be charged for a limited number of years, as a result of violations, suspensions or accidents on the driving record of any driver covered under your policy.

While there may be exceptions due to not at fault accidents, acts of nature, etc they are not listed by the PA Insurance Department so you may want to contact them directly to find out about your situation. If there are no state laws regarding this issue then it would be up to your insurance carrier's rating system and guidelines to determine if hitting a deer and the associated claims would cause your rates to rise.

Pennsylvania does try to protect drivers against unreasonable surcharges. Motorists in Pennsylvania may no longer be surcharged or have their policy non renewed if the claim(s) resulting from the accident(s) in the preceding three years do not add to more than $1150 after payment of any deductible, or if the insurance company is reimbursed for at least 60 percent of the total amount of the paid claim.

The claim for the damage caused by the deer will fall under your Comprehensive coverage. When placing your claim with your agent you should discuss if this type of claim will cause your rate to increase. Typically Comprehensive claims are seen as not at fault claims so are less likely to cause your rates to rise as a Collision claim. Your claim from sliding on ice and hitting a guardrail from a few years back would have been deemed you losing control of your vehicle and thus you at fault for the Collision claim and probably is what caused your rates to rise.

If your rates do rise you may want to shop around for more affordable car insurance in Pennsylvania. You can start here by getting an auto insurance quote online.


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