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Do car insurance premiums increase after a comprehensive claim for hitting a deer?


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Wiki User
2009-09-15 23:42:05
2009-09-15 23:42:05

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Generally YES, they do increase, being that there is no "third party" so-to-speak in which the insurer can subrograte against.

I say no, it is a comp claim and doesn't count against the driver. If the driver was cited for the incident, then they would go up.

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Only if your insurance cover is comprehensive.

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Animal Collision If your vehicle "collides" with an animal it will be covered under the "collision" portion of your Auto Insurance Policy. Answer from a General Insurance Agent Answer comprehensive

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If you make a claim and have comprehensive coverage then you insurance rate may increase slightly. All insurance companies are different, but they are all based on the same system, level of risk to insure and probability of making a claim. By hitting the deer you have increased both these factors. However since it was not an at-fault accident and there is already a deductible to decrease fraudulent claims, your rate should only increase slightly.

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Generally your auto insurance will not increase for an animal collision. This is paid by your comprehensive coverage on your auto insurance. The only danger of an increase is if your carrier gives you a discount for not having any claims for a certain period of time. You will loose this claim free discount if you have one. You will not incur any surcharges or points for an animal collision.


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