Does Grange Insurance car insurance cover damage caused by a collision with an animal if I only have liability coverage?

If you are a car owner in an area with a high population of wildlife, you may be concerned about the potential for getting into an accident with an animal. Unfortunately, these types of accidents happen more often than you might think. You may be left wondering whether Grange Insurance will cover damage caused by a collision with an animal if you only have liability coverage. In this article, we will take a closer look at this question and others related to car insurance coverage.

What Is Liability Coverage In Car Insurance?

Before we dive into the details of the coverage provided by Grange Insurance, let’s first review what is meant by liability coverage. Liability coverage is a mandatory type of insurance for car owners, and it covers damage or injury that you may cause to other people or their property while driving your car. This type of coverage does not typically cover damage to your own vehicle, nor does it cover injury or damage that you suffer as a result of an accident.

Liability coverage is typically broken down into two categories: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses, lost wages, and other damages that result from injuries to other people in an accident that you caused. Property damage liability covers the cost of repairing or replacing other people’s property that you damage in an accident.

It’s important to note that liability coverage limits vary by state and by insurance company. It’s important to review your policy carefully to ensure that you have adequate coverage in the event of an accident. Additionally, some states require drivers to carry additional types of coverage, such as personal injury protection or uninsured/underinsured motorist coverage.

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Understanding The Different Types Of Car Insurance Coverage

When it comes to car insurance coverage, there are several different types to consider. This includes liability coverage, collision coverage, comprehensive coverage, and more. Liability coverage is mandatory, while the other types of coverage are optional but highly recommended. Collision coverage covers damage to your own vehicle caused by a collision, while comprehensive coverage covers damage caused by events such as theft, vandalism, or weather.

It’s important to note that there are also additional types of car insurance coverage that you may want to consider. For example, personal injury protection (PIP) coverage can help cover medical expenses and lost wages if you or your passengers are injured in an accident. Uninsured/underinsured motorist coverage can provide protection if you’re involved in an accident with someone who doesn’t have enough insurance to cover the damages. It’s important to carefully consider your options and choose the coverage that best fits your needs and budget.

What Does Grange Insurance Liability Coverage Include?

Grange Insurance liability coverage provides the same basic coverage as other car insurance providers. This includes coverage for damage or injury that you cause to others while driving your vehicle. However, this type of coverage does not typically include coverage for damage to your own vehicle or injury that you yourself experience as a result of an accident.

It is important to note that Grange Insurance liability coverage also includes coverage for legal fees and court costs if you are sued as a result of an accident. This can be a significant benefit, as legal fees can quickly add up in the event of a lawsuit. Additionally, Grange Insurance offers optional add-ons to their liability coverage, such as uninsured/underinsured motorist coverage and personal injury protection, which can provide additional protection in the event of an accident.

Collision Vs. Comprehensive Coverage: What’S The Difference?

While both collision and comprehensive coverage are optional, they are highly recommended for those who want additional coverage beyond liability. Collision coverage covers damage to your own vehicle from collisions with other vehicles or objects, while comprehensive coverage covers non-collision damage to your vehicle, such as fire, theft, or natural disasters.

It’s important to note that collision coverage only covers damage to your own vehicle, not to any other vehicles or property involved in the collision. Additionally, collision coverage typically comes with a deductible, which is the amount you must pay out of pocket before your insurance kicks in to cover the rest of the damage.

Comprehensive coverage, on the other hand, also covers damage to other vehicles or property that may be involved in the incident, as well as damage caused by things like falling objects or vandalism. It also often comes with a deductible, but the amount may vary depending on the specific policy.

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Does Grange Insurance Offer Collision Coverage For Animal Collisions?

Yes, Grange Insurance does offer collision coverage for collisions with animals. This type of coverage would fall under the optional collision coverage that we mentioned earlier. However, it is important to note that coverage for animal-related collisions may vary depending on your specific policy and location.

It is also worth noting that Grange Insurance offers additional coverage options for animal-related incidents, such as comprehensive coverage. This type of coverage can provide protection for damage caused by non-collision incidents, such as hitting a deer or having an animal cause damage to your parked car. It is always recommended to review your policy and speak with your insurance agent to ensure that you have the appropriate coverage for your needs.

What To Do If You Hit An Animal While Driving

If you hit an animal while driving, it is important to take certain steps to protect yourself and others. First, try to move your vehicle out of harm’s way and turn on your hazard lights. If the animal is still alive, contact a local wildlife rescue or animal control agency. You should also take photos of the damage to your vehicle and any injuries that you or any passengers may have suffered.

After you have taken these initial steps, it is important to assess the situation and determine if any further action is necessary. If the animal is blocking the road or causing a hazard to other drivers, you may need to contact the police or highway patrol to assist with traffic control. Additionally, if the animal is a domestic pet, you should try to locate the owner or contact the local animal shelter to report the incident.

It is also important to remember that hitting an animal can be a traumatic experience, and you may need to seek emotional support or counseling to help you cope with the aftermath. Talking to friends and family, or seeking professional help, can be an important step in the healing process.

How To File A Claim With Grange Insurance For An Animal Collision

If you have collision coverage with Grange Insurance and have been involved in an animal collision, you can file a claim by contacting the company’s claims department. You will need to provide information about the accident and any damage or injuries that resulted from the collision. Grange Insurance will then evaluate the claim and provide coverage for any damages covered by your policy.

It is important to note that if you hit a wild animal, such as a deer, you may need to file a separate claim under your comprehensive coverage. This coverage typically covers damage caused by non-collision incidents, such as hitting an animal or having a tree fall on your car. Be sure to check your policy or contact Grange Insurance to determine the appropriate coverage for your situation.

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Tips For Preventing Collisions With Animals While Driving

While animal collisions can happen unexpectedly, there are certain steps you can take to reduce your risk. This includes being cautious when driving in areas with high populations of wildlife, such as rural or wooded areas. You can also use your high beams at night to see animals more easily, and be aware of warning signs or signals that may indicate a higher risk of animal collisions.

Another important step to prevent animal collisions is to avoid distractions while driving. This means putting away your phone, avoiding eating or drinking, and keeping your focus on the road. Additionally, it’s important to always wear your seatbelt and drive at a safe speed, as this can give you more time to react if an animal suddenly appears on the road.

If you do encounter an animal on the road, it’s important to stay calm and avoid swerving or slamming on your brakes. Instead, slow down as much as possible and try to steer your vehicle away from the animal if it’s safe to do so. If you do hit an animal, pull over to a safe location and contact the authorities to report the incident and seek assistance if necessary.

Is It Worth Upgrading Your Grange Insurance Policy To Include Comprehensive Coverage?

If you live in an area with a high population of wildlife or otherwise want additional protection beyond your liability and collision coverage, upgrading to a policy that includes comprehensive coverage may be worth considering. This can provide coverage for a wider range of non-collision damage to your vehicle that may not be covered by your other policies.

In conclusion, if you have Grange Insurance liability coverage and are involved in a collision with an animal, your coverage will generally not extend to damage or injury to yourself or your vehicle. However, Grange Insurance does offer optional collision coverage that can provide coverage for animal collisions, as well as comprehensive coverage for non-collision damage. By being cautious and taking certain steps to prevent animal collisions, you can reduce your risk and avoid potential accidents.

It’s important to note that comprehensive coverage can also provide protection for damage caused by natural disasters, theft, and vandalism. This can give you peace of mind knowing that your vehicle is protected in a variety of situations beyond just collisions with animals.

Additionally, upgrading to comprehensive coverage may also provide additional benefits such as rental car reimbursement and roadside assistance. These benefits can be especially helpful in the event of an accident or other unexpected situation.

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