While driving, you may occasionally encounter wild animals, which can lead to accidents. It’s important to know whether your insurance policy provides coverage for such incidents.
Comprehensive Coverage
If your auto insurance policy includes comprehensive coverage, then you are covered for accidents caused by wild animals. Since these accidents are out of your control and don’t involve another vehicle, comprehensive coverage will cover the damage to your vehicle.
Is This Required?
Keep in mind that the minimum required insurance doesn’t include comprehensive coverage. So, when you’re setting up your auto insurance policy, ensure that you include it if you want full coverage. Also, if you have a loan on your vehicle, you’ll likely already have this coverage.
Should I Add Comprehensive Coverage?
If you find that your policy doesn’t include comprehensive coverage, it’s advisable to add it as soon as possible. Liability or collision coverage will not cover accidents involving wild animals. Without this coverage, you would be responsible for any vehicle damage.
What Animals Cause These Accidents?
In Florida, most wild animal accidents are caused by deer. They often appear in rural and suburban areas, usually around dusk or dawn, and can cause major accidents. However, deer aren’t the only culprits. Other large animals in Florida, such as alligators and black bears, can also cause significant damage.
If you’re in the Panama City Beach, FL area and looking for a new auto insurance quote, contact us at Hall Insurance. We’re ready to provide you with an affordable policy that meets all your needs.
