Call Us 973-256-5500 ☰ ˟
Logo
Call Us 973-256-5500
  • Our Agency
    • AboutImage of right arrow
      • Our Location
    • Personal ProductsImage of right arrow
      • Home & Auto Insurance
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Roadside Assistance
        • Specialty Auto Insurance
        • 24-Hour Customer Service
        • Towing
        • Rental Reimbursement
        • Personal Injury Protection (PIP)
        • Medical Payments Coverage
      • Home InsuranceImage of right arrow
        • Flood Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
      • Other Personal InsuranceImage of right arrow
        • Personal Umbrella Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Group Life Insurance
        • Long-Term Care Insurance
        • Disability Insurance
      • Health InsuranceImage of right arrow
        • Individual & Family Health Insurance
        • Group Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Long-Term Care Insurance
        • Temporary Health Insurance
        • Supplemental Insurance
        • Disability Insurance
        • Medical Expense Insurance
        • Child Health Insurance
        • Travel Health Insurance
        • Prescription Insurance
        • HSAs
      • Recreational Vehicle InsuranceImage of right arrow
        • Boat Insurance
        • Motorcycle Insurance
        • Motorhome Insurance
        • ATV Insurance
        • Snowmobile Insurance
      • Financial ServicesImage of right arrow
        • Financial Planning
        • Annuities
        • 401K
        • Retirement Planning
        • Traditional & Roth IRAs
    • Commercial ProductsImage of right arrow
      • BondsImage of right arrow
        • Fidelity Bonds
        • Surety Bonds
      • Coverage for Specific IndustriesImage of right arrow
        • Accounting Firm Insurance
        • Alarm Contractors Insurance
        • Fire Suppression Contractors & Equipment Dealers Insurance
        • Insurance for Arborists
        • Construction Insurance
        • Consulting Firm Insurance
        • Snow Plow Insurance
        • Specialty Trade Contractors Insurance
        • Educational Facility Insurance
        • Financial Institution Insurance
        • Healthcare Facility Insurance
        • Healthcare Practice Insurance
        • Law Firm Insurance
        • Life Science Insurance
        • Maintenance Contractors Insurance
        • Manufacturing Insurance
        • Media & Advertising Insurance
        • Orthotics & Prosthetics Insurance
        • Pool & Spa Insurance
        • Printers & Publishers Insurance
        • Real Estate Businesses Insurance
        • Retail Insurance
        • Scrap Metal Insurance
        • Security Guards Insurance
        • Self-Storage Insurance
        • Septic Contractors Insurance
        • Technology Services Insurance
      • Coverage for Your BusinessImage of right arrow
        • Marine Insurance
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Inland Marine Insurance
        • Professional Liability
        • Workers Compensation
      • Coverage for Your EmployeesImage of right arrow
        • Small Business Retirement Plans
        • Employer-Sponsored Retirement
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Retiree Health Coverage
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
    • Get a Quote
    • Our Carriers
    • Contact UsImage of right arrow
      • Allwood Forlenza Insurance Agency
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Flood Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
    • Other Personal InsuranceImage of right arrow
      • Personal Umbrella Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Disability Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Travel Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Financial ServicesImage of right arrow
      • Financial Planning
      • Annuities
      • 401K
      • Retirement Planning
      • Traditional & Roth IRAs
    • BondsImage of right arrow
      • Fidelity Bonds
      • Surety Bonds
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Fire Suppression Contractors & Equipment Dealers Insurance
      • Insurance for Arborists
      • Construction Insurance
      • Consulting Firm Insurance
      • Snow Plow Insurance
      • Specialty Trade Contractors Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Technology Services Insurance
    • Coverage for Your BusinessImage of right arrow
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Blog
  • About Us
    • About Us
    • Testimonials
    • Privacy Policy
  • Contact
Home > Blog > Auto Insurance and Coverage for Animal Strikes
THURSDAY, MAY 20, 2021

Auto Insurance and Coverage for Animal Strikes

If you have comprehensive physical damage coverage on your auto policy, that does not mean that you have auto insurance for 100% of your losses. It is a specific benefit within an auto insurance that is designed to insure your vehicle against physicaldeer damage that is not related to a wreck (I.e. storms, fires, theft).  

Animal strikes will have coverage under this benefit, even though they might be perceived as collisions by the affected driver. If you only have a minor collision with an animal, then you might find that there’s only minor damage, which might not necessitate filing an auto insurance claim (particularly if you have a high deductible on your policy). However, were your vehicle to sustain severe damage, then your comprehensive coverage can ensure that you receive a substantial settlement for the requisite repairs. 

What Happens if I Hit Another Vehicle?  
Maybe when you hit a deer, you swerve into oncoming traffic and hit another vehicle. Under the circumstances, you might be at fault for the other driver’s vehicle damage, since you hit them. Even though you were not necessarily in full control of your vehicle at the time you hit the other car, the fault lies more with you than the other driver.  

Therefore, your auto liability insurance will provide property damage and bodily injury coverage that pays for third-party losses when you are deemed at fault for the accident. However, this coverage does not pay for damage to your own vehicle, so you must carry both comprehensive and liability coverage within your policy if you want a more expansive policy.  

What Should You Do After an Animal Collision?  
After you strike an animal, immediately call the police and emergency services. They will respond to the scene, direct traffic and help you document the accident. Afterwards, contact your insurance company to learn what your next steps will be. They will start the claim and analyze the cause and effects of the accident. They will then determine exactly how much your policy can aid you for the ramifications of this accident. 

Posted 11:10 AM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • insurance(16)
  • coverage(12)
  • policy(7)
  • car(4)
  • auto(4)
  • liability(3)
  • accident(3)
  • business(3)
  • commercial(3)
  • auto insurance(2)
  • life(2)
  • homeowners(2)
  • home(2)
  • disaster(1)
  • professional liability(1)
  • requirements(1)
  • risk(1)
  • healthcare(1)
  • flood insurance(1)
  • cyber(1)
  • workers(1)
  • builders(1)
  • premiums(1)
  • laibility(1)
  • owners(1)
  • whole(1)
  • terms(1)
  • classic(1)
  • bop(1)
  • damage(1)
  • commercial auto(1)
  • value(1)
  • wellness(1)
  • general(1)
  • business owners policy(1)
  • secuity(1)
  • costs(1)
  • general liability(1)
  • high(1)
  • online(1)
  • vintage(1)
  • home insurance(1)
  • professional(1)
  • natural(1)
  • retirement(1)
  • flood(1)
  • builders risk(1)
  • homeowners insurance(1)
  • workers compensation(1)
  • health(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
110 Little Falls Rd. | Fairfield, NJ 07004
P: 973-256-5500 | F: 973-882-5601 | info@afcainsurance.com
Social Social Social Social
Logo

Powered by Insurance Website Builder