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

Driving can be risky, and accidents can happen anytime, anywhere. Even if you’re a careful driver, you could still find yourself in an accident involving an animal. So what happens if you only have liability coverage?

Does Infinity Insurance Companies car insurance cover damage caused by a collision with an animal? Let’s dive into what different types of coverage are available, how they work, and what you need to know about filing a claim.

Understanding Liability and Comprehensive Coverage

Firstly, let’s discuss what liability coverage is and what it covers. Liability coverage is the basic minimum car insurance that most states require drivers to carry. It covers damages or injuries you cause to other people or their property while driving. However, liability insurance does not cover any damage done to your car in case of an accident. This means if you hit an animal, your liability insurance wouldn’t cover any damage to your car.

Comprehensive coverage, on the other hand, is an optional coverage that protects you against damage done to your car, including damage caused by collision with an animal. Comprehensive coverage also covers non-collision events such as theft, fire, hail, vandalism, and more. In other words, if you have comprehensive coverage, you can be sure that you’ll be covered for most unexpected events that could happen to your car.

It’s important to note that comprehensive coverage usually comes with a deductible, which is the amount you’ll have to pay out of pocket before your insurance kicks in. The higher your deductible, the lower your monthly premium will be. However, it’s important to choose a deductible that you can afford to pay in case of an accident. It’s also worth noting that comprehensive coverage may not cover the full cost of repairing or replacing your car, depending on the extent of the damage and the value of your car. It’s always a good idea to review your policy and speak with your insurance agent to fully understand your coverage and any limitations.

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What Is Collision Insurance, And Why Do You Need It?

Collision insurance is another optional coverage that protects you in case of an accident involving another vehicle or object. Collision insurance covers expenses related to repairing or replacing your car if it’s damaged in an accident. If you only have liability coverage and you get in an accident with another car, your insurance will pay for the damages to the other car, but not your own car.

So, why would you need collision coverage? It’s simple – it provides extra protection. If you’re in an accident, collision coverage will cover repairs for your car even if you’re at fault. Having collision coverage can give you peace of mind that you’re protected and won’t be stuck with a huge repair bill.

It’s important to note that collision insurance typically comes with a deductible, which is the amount you’ll have to pay out of pocket before your insurance kicks in. The higher your deductible, the lower your monthly premium will be. However, it’s important to choose a deductible that you can afford to pay in case of an accident.

Another factor to consider when deciding whether or not to get collision coverage is the value of your car. If you have an older car that’s not worth much, it may not be worth it to pay for collision coverage. On the other hand, if you have a newer car that’s worth a lot of money, collision coverage can be a smart investment.

What Does Infinity Insurance Companies Car Insurance Cover?

Now that we know what liability coverage, collision coverage, and comprehensive coverage are, let’s see what Infinity Insurance Companies car insurance covers. Infinity’s car insurance offers coverage options including liability, collision, and comprehensive coverage. Depending on the type of coverage you choose, you may be covered for damage caused by collision with an animal.

In addition to the coverage options mentioned above, Infinity Insurance Companies car insurance also offers personal injury protection (PIP) coverage. This coverage can help pay for medical expenses, lost wages, and other related expenses if you or your passengers are injured in a car accident, regardless of who is at fault.

Furthermore, Infinity Insurance Companies car insurance also offers uninsured/underinsured motorist coverage. This coverage can help protect you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

Collision With An Animal: Am I Covered Under My Policy?

If you have comprehensive coverage, your car insurance will most likely cover damage caused by collision with an animal. This is because comprehensive coverage covers a wide range of damage that could happen to your car, including animal strikes. However, if you only have liability coverage and you hit an animal, your insurance won’t cover the damage to your car.

It’s important to note that if you hit a domestic animal, such as a dog or cat, you may be liable for any injuries or damages caused to the animal. In some cases, the owner of the animal may also be able to file a claim against your insurance for the cost of veterinary bills or other damages. It’s always best to drive with caution and be aware of your surroundings, especially in areas where wildlife or domestic animals are known to be present.

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The Difference Between Liability And Comprehensive Coverage

We talked about liability and comprehensive coverage, but what’s the difference between the two? Liability insurance pays for damages you cause to others, while comprehensive coverage pays for damage done to your car from non-collision events such as theft or damage caused by weather. When deciding on what type of coverage to get, it’s important to consider what kind of protection you want around your car.

Another important factor to consider when choosing between liability and comprehensive coverage is the age and value of your car. If you have an older car that is not worth much, liability coverage may be sufficient to meet your needs. However, if you have a newer car that is worth a significant amount of money, comprehensive coverage may be a better option to protect your investment.

It’s also important to note that some lenders or leasing companies may require comprehensive coverage as part of their financing agreement. This is to ensure that the vehicle is protected in case of damage or loss, which could impact the value of the asset. Be sure to check with your lender or leasing company to see what type of coverage is required.

How To Add Comprehensive Coverage To Your Infinity Insurance Policy

If you’re interested in adding comprehensive coverage to your Infinity Insurance policy, it’s simple. You can call the company directly or speak to your insurance agent to update your policy. Adding or changing coverage will affect your insurance premiums, so it’s smart to compare rates from different insurers to get the best coverage at the best price.

Comprehensive coverage is an important addition to your insurance policy, as it covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters. It’s especially important if you live in an area prone to severe weather or high crime rates.

When adding comprehensive coverage to your Infinity Insurance policy, make sure to review the terms and conditions carefully. Some policies may have exclusions or limitations on coverage, such as a deductible or a maximum payout amount. It’s important to understand these details to ensure you have the right coverage for your needs.

How To File A Claim For Damage Caused By A Collision With An Animal

If you have comprehensive coverage and your car is damaged from a collision with an animal, you should file a claim with your insurance company. To file a claim, you’ll need to provide photos of the damage, a copy of the police report, and any other pertinent information. Your insurance company will evaluate your claim, and if approved, will cover the costs of repairs or replacement of your car up to the limits of your policy.

It’s important to note that filing a claim for damage caused by a collision with an animal may result in an increase in your insurance premiums. This is because insurance companies view these types of accidents as unpredictable and therefore, a higher risk. However, some insurance companies offer accident forgiveness programs that may waive the increase in premiums for your first accident.

If you frequently drive in areas where there is a high risk of colliding with animals, such as rural areas or near wildlife reserves, you may want to consider adding collision coverage to your policy. Collision coverage will cover the costs of repairs or replacement of your car regardless of the cause of the accident, including collisions with animals.

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Tips For Avoiding Collisions With Animals While Driving

Preventing accidents with animals is always better than dealing with the aftermath. Here are some tips to avoid collisions with animals while driving:

• Pay attention to road signs warning of animal crossings.
• Watch out for animal eye-shine. This is the reflection of headlights on the eyes of animals that can help you spot them in the dark.
• Use your high beams when driving in rural areas where animal crossings are common.
• If you spot an animal, slow down and try honking your horn to scare it away.
• Don’t swerve to avoid hitting an animal, as this can lead to a more severe accident. Instead, try to brake and come to a stop as safely as possible.

It’s important to note that some animals are more active during certain times of the day. For example, deer are most active during dawn and dusk. If you’re driving during these times, be extra cautious and keep an eye out for any movement near the road. Additionally, if you see one animal, there may be more nearby, so be sure to slow down and stay alert.

The Benefits Of Having Comprehensive Coverage For Your Vehicle

Having comprehensive coverage for your car offers several benefits:

• Protection against a wide range of damage types including theft, fire, and animal strikes.
• Financial protection against expenses related to repairing or replacing your car.
• Peace of mind knowing that you’re protected against unexpected events.

In conclusion, if you only have liability coverage, your car insurance won’t cover damage caused by a collision with an animal. However, if you have comprehensive coverage, you should be protected. If you’re interested in adding comprehensive coverage or other types of coverage to your Infinity Insurance policy, contact them directly or speak to an insurance agent. Remember to always drive safely and take precautions to avoid collisions with animals while driving.

Another benefit of having comprehensive coverage is that it can cover damage caused by natural disasters such as floods, hurricanes, and tornadoes. These events can cause significant damage to your vehicle, and without comprehensive coverage, you may be left with a hefty repair bill.

Additionally, comprehensive coverage can provide coverage for vandalism and other intentional damage to your vehicle. Unfortunately, there are people out there who may intentionally damage your car, and having comprehensive coverage can help protect you from the financial burden of repairing or replacing your vehicle.

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