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Would it be collision or comprehensive that covers a car deer accident?

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2010-09-13 17:38:20
2010-09-13 17:38:20

Wrong. Collision with an animal is considered a comprehensive loss. Collision with an animal is considered an exception to the definition of collision.

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Comprehensive motor insurance usually covers bodily harm or damage caused by an accident. The comprehensive insurance also cover the liability of the car damages in regards to collision coverage. When deciding on collision coverage, it is important to consider the age of the vehicle to determine if comprehensive or full coverage is needed on the vehicle or if collision insurance would be the appropriate choice.

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Collision covers damage from collisions only, whether it is a fender-bender in the parking lot, running into the garage, or a traffic accident. Comprehensive covers damage "other than by collision", that would be hail, flood, vandalism, windshield pits, etc.

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This would be covered under collision coverage. I would hope that the insurance company would only count it as one accident and would only charge you one deductible.

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Generally, you can't buy comprehensive without first buying liability coverage. Liability covers damage you do in an accident if it is your fault. Comprehensive will not even pay for your vehicle in an accident. It only covers fire, theft, vandalism, animal collision, etc.

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That would count as comprehensive. Comprehensive covers any non-collision events such as theft, fire, and water damage.

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If you hit a deer, that's a collision and is paid out from your Collision coverage. Comprehensive is for Physical damage done to your car, such as a tree falling on it, theft, vandalism and fire. Yes, the comprehensive portion of your auto policy covers collision with an animal, such as a deer. It would be subject to your deductible. http://www.iii.org/individuals/auto/a/basic/ Actually it's covered out of comprehensive coverage and in most cases your rates will not go up. Comprehensive covers acts of nature including colliding with an animal

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I would guess NOTHING. I'm assuming it was a collision with something, even if only a snowbank, that caused the damage. Comprehensive is often defined as "other than collision".

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Its considered a collision loss. If you have Collision coverage your car would be repaired less your deductible. Your insurance carrier will also pay for property damage you may have caused in the collision. If the collision is with a animal it could be considered a comprehensive loss.

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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.

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Comprehensive. You did not dive the car into anything

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an accident would happen... like you mate

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No, Liability covers damage and injury to another party if you are at fault in an accidentComprehensive insurance would cover fire losses

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Unless it was an animal that ran into your car it would be Collision coverage that would apply.

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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.

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Comprehensive coverage will usually cover you if you hit a deer. Coverage may be optionally covered under comprehensive or collision in some states. If you do not actually hit the deer and have a collision, it would only be covered under collision insurance.

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If you are not concerned with losing the vehicle if damaged or if you decided it's not financially wise to pay the premiums for the value of the car you can cancel some coverages. The ones that you could cancel are collision and comprehensive as well as towing and labor and rental car coverages. With most preferred companies you could cancel collision but keep comprehensive. By keeping comprehensive you would still have coverage for fire, theft, vandalism, glass breakage, flood, animal collisions. Collision is the more expensive of the tow by far and generally covers things that are your fault. Comprehensive is for things mostly out of your control.

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Their own insurance would cover it if they had collision insurance.

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No, that would be a collision, and would be covered under the collision portion of the policy, and the collision deductible would apply. Collisions are also considered a chargeable claim for rating and insurability purposes.

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That would be comprehensive coverage. Anonymous is wrong! It would be collision. It doesn't matter if the vehicle was occupied or parked. If something on the ground collides with your auto it is a collision claim. If your car is hit, then, yes, collision insurance covers it, but the *other driver's* collision. In the event that the other driver does not have or does not have enough collision insurance, you will need uninsured/underinsured motorist covered to pay for your loss, which, by the way, also pays for your loss if your car was hit in the parking lot and the other driver took off (i.e., hit-and-run). Comprehensive coverage will take care of this in NY. Vandalism I am a experienced agent for a large company, if the driver does not turn himself in to you it would be covered under the comprehensive portion of your contract. (and would be considered vandalism).if the driver stays and his company pays the expense it would be covered under collison on his policy.

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This will be covered under the collision portion of your Auto Insurance policy. You collided with a telephone pole. Hence, Collision coverage would invoke.

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both, there will be two different claims, a comprehensive claim on the theft, (damage that was done by the theif) and a collision claim on the wreck you had when you got it back, and yes both deductibles would apply.....

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No. This would be a collision claim because all roll-overs no matter the cause are collision claims.

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Collision insurance means that if you were to get in an accident the insurance company would pay to fix your car instead of the person's that you hit.


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