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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.

2009-09-15 23:42:05
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Q: Do car insurance premiums increase after a comprehensive claim for hitting a deer?
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Will your auto insurance cover hitting a bird?

Yes, under comprehensive


Is hitting a dear comprehensive or collision?

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


Will your insurance rates go up for hitting an animal?

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.


Will my car insurance go up for hitting an animal?

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.


What is comprehensive car insurance?

Comprehensive insurance coverage is a physical damage part of automobile insurance which covers you vehicle for fire, theft, vandalism, broken glass, and all animal collisions. Collision is the other main part of physical damage coverage which covers hitting something or turning the vehicle over. You can purchase comprehensive without collision but not collision without comprehensive.


Does comprehensive auto insurance cover damage to your car from avoiding a deer and then hitting the curb I know it covers damage from hitting an animal but what about damage from avoiding one?

You still had a accident. What you hit was a curb.


What type of insurance will cover damages to your car if you hit a deer while driving through a parking lot?

Actually, hitting a deer is generally covered by your comprehensive coverage, not collision. Comprehensive covers "acts of God," which include hitting animals because it was an act of God that the animal was there at that time. Reading your insurance policy will clarify exactly which kinds of claims are covered by which types of insurance. There are 3 catagories for car insurance: 1. Liability (covers you if you hit someone else) 2. Comprehensive (covers you if an uninsured driver hits you), and 3. Collision (covers you if you hit something -for instance, a deer-)


What insurance is need for your RV loan?

Most loan companies will require that you have liability, collision, and comprehensive coverage. That covers you hitting someone else, someone hitting you, and loss due to fire, theft, storm damage, etc.


What is comprehensive auto insurance?

If you are in the process of quoting auto insurance, chances are the term comprehensive coverage has come up quite often. Comprehensive auto insurance coverage is a coverage that will pay to repair or replace your vehicle in the event of a covered loss up to the fair market value of the vehicle. Covered losses that fall under comprehensive include: fire, theft, vandalism, hail, and wind damage. Falling objects and hitting a live animal also fall under comprehensive. If you are financing your vehicle, you will be required to carry both comprehensive and collision coverages to satisfy lender requirements. The state does not require comprehensive or collision coverage.


What is comp auto insurance?

Comp, also referred to as comprehensive auto insurance coverage, is a form of coverage that is designed to pay to repair or replace your vehicle in certain situations. Covered scenarios that comprehensive auto insurance would pay include: theft, vandalism, fire, explosion, hail damage, wind damage, or hitting a live animal. The insurance company will pay up to the fair market value of your vehicle for repairs or replacing the vehicle. You will be responsible for paying your comprehensive deductible before the insurance company will payout.


Does collision insurance cover hitting a deer?

In case you have a Comprehensive Car Insurance Policy or Standalone Own Damage Car Policy, only damages against an animal attack such as a deer attack are covered. For more clarity on this, you can either read your policy document or get in touch with the customer care of your insurer. Hope, this answer was helpful!


If you hit a high water area and hydro planed and hit a tree will comprehensive insurance cover the damage?

Your collision coverage should pay for the damage caused by hitting the tree.Comprehensive insurance covers water damage, hail and flood. However, in your scenario, the damage was only indirectly caused by the water. Damage to your car caused by hitting another car or a fixed object is paid for by your collision coverage.


Should plpd insurance cover costs for hitting a wild animal?

Nope, PLPD aka liability only covers other vehicles for accidents which you may be at fault for. Comprehensive insurance would take care of an incident such as this.


What is covered by comprehansive insurance?

Comprehensive Coverage on your Auto Insurance Policy covers for a covered loss that is stolen or damage by causes other than collision or upset. Such as Fire, Theft, Vandalism, hitting a bird or animal, wind, hail, flood or earthquake.


Is it a state law in Florida that your insurance company must provide a rental car after an accidentif you have full coverage insurance and hit a deer?

No. By "full coverage," I assume you mean you have comprehensive and collision coverage. This does not include rental. You have to buy a special endorsement on your policy to get rental. Hitting a deer is a comprehensive claim and if you have rental, you will get a rental if the car is non-drivable or when it is in the shops for the repairs. If you did not buy rental, the insurance company does not have to pay. Check your coverages.


Is hitting a garage door covered under comprehensive car insurance?

No because that would count as a collision. Comprehensive insurance covers anything that's not considered a collision: a tree falls on your car, impaled by hail stones, gets stolen, gets vandalized, gets on fire, acts of God, someone backs into your car and takes off, those sorts of things.


What type of insurance will cover an auto rollover?

Collision coverage pays if you hit something or turn a vehicle over. Hitting an animal is covered through Comprehensive or Other than Collision (Difference in terminology only).


Does lilabilty insurance cover a deer hitting a car?

Generally when it comes to hitting an animal your insurance angency will only make you pay your deductible. Sometimes it is completely covered.


What does hitting a deer claim be filed under?

Usually Comprehensive. This is the same coverage that will cover a car fire, theft or storm damage to a car.


If someone throws a rock at and damages your car is this covered by comprehensive or collision insurance?

Neither. A rock hitting you're car is a minor damage and isn't handled by insurance companies. If a grown person does it you could file vandalism and demand the money for repairs. If it is a minor, 4-12, the damage stays and you really can't do much about it.


Does hitting a deer increase your premium?

Only if you report it accurately.


Do you have to report all car accidents to your insurance company when hitting a pedestrian?

of course...


What does comprehension mean in auto insurance?

It is other than collision insurance. It covers hail, stolen vehicle, hitting an animal, and vandalism.


Is auto windshield repair covered by car insurance?

Windshield replacement is generally included in comprehensive coverage, which provides for repairs to a vehicle that has been damaged in ways other than a collision. This might include a tree falling on the car, hitting a deer or a rock or other projectile damaging the windshield. If you do have comprehensive coverage, refer to the policy for details regarding the deductible, which may apply. www.insurance.com


Would hitting a mailbox be considered comprehensive or collision?

I would guess if the mailbox fell over while you were passing by, and it hit your vehicle, then it would be considered comprehensive. Now if you just drove into the mailbox, that would be considered collision.