Start by reading your contract. Are you in default of that contract in any way? the LENDER has the right to demand you keep the collateral in marketable condition. Likely you agreed to do so somewhere in the contract. Most lenders get very nervous when you wreck a 15000.00 car and want to drive it around beat up to save money on ins. That's why they require you to maintain collision ins. on to start with. You have to protect THEIR investment too.
Rental Car Insurance is an important consideration for the majority of travelers. In the event of an accident, it is always advantageous to be protected to avoid costly repairs to a car you don't even own. To save money, call your insurance agent before agreeing to a rental insurance policy. You may be offered a valuable discount from your regular insurance company.
As long as there is no other driver, you are technically at fault. However, some policies contain accident forgiveness clauses if its your first, or clauses that consider damage to your vehicle, you and your passengers would have been worse if you had not taken action to avoid the deer. If damage is worse because you swerved to avoid the deer, this argument will not work. Unfortunately, there is no Humanity clause in insurance policies that gives you a break for saving the life of an animal. However, your agent and adjuster may be as kind to you as possible, perhaps forgiving the accident so that it does not impact your renewal premium. It doesn't hurt to ask. or you can say the deer ran into the road, if it seemed like that to you.
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