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

Car accidents can happen to anyone, anytime, anywhere. While collisions with other vehicles or stationary objects are the most common types of car accidents, collisions with animals are a close second. Hitting an animal with your car can be a terrifying experience that not only poses a risk to your safety but can also result in costly damage to your car.

In this article, we’ll explore whether MetLife car insurance covers damage caused by a collision with an animal if you only have liability coverage and provide you with essential information to help you understand coverage options available to you.

Understanding Liability Coverage In Car Insurance Policies

Liability coverage is mandatory in almost all states and it is designed to protect you against the financial consequences of causing an accident that involves injury or property damage to another person or their property. Typically, liability coverage is broken down into two categories: bodily injury liability and property damage liability. While bodily injury liability covers expenses related to injuries sustained by the other party due to the accident you caused, property damage liability covers the cost of repairing the damage you caused to the other party’s property.

It is important to note that liability coverage does not cover your own injuries or property damage. For that, you would need additional coverage such as collision coverage or comprehensive coverage. It is also important to make sure you have enough liability coverage to protect your assets in case of a lawsuit. Many experts recommend having at least $100,000 in bodily injury liability coverage per person and $300,000 per accident, as well as $100,000 in property damage liability coverage.

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What Is Collision Coverage And How Does It Differ From Liability Coverage?

Collision coverage, on the other hand, protects you against damage to your car and other property damage incurred in an accident that you have caused. Unlike liability coverage, which only covers the damages and injuries of the other party, collision coverage covers expenses related to your own car, regardless of who is at fault for the accident.

It is important to note that collision coverage is not required by law, unlike liability coverage. However, if you have a car loan or lease, your lender or leasing company may require you to have collision coverage as part of your agreement. Additionally, collision coverage may have a deductible, which is the amount you pay out of pocket before your insurance kicks in to cover the rest of the expenses. It is important to carefully consider your coverage options and deductible amount when choosing a car insurance policy.

Common Types Of Animal-Related Car Accidents And Their Consequences

Animal-related car accidents can be caused by a variety of animals like deer, moose, elk, bears, dogs, cats, birds, and small animals like squirrels and rabbits. The consequences of these accidents can be severe and can range from minor scratches to major damage to your car, injuries to you and others in your car, and even fatalities. These accidents can also result in unexpected expenses like towing charges, car rental fees, and medical bills.

It is important to note that animal-related car accidents are more common in rural areas where wildlife is abundant. However, they can also occur in urban areas where pets like dogs and cats may run onto the road. To prevent these accidents, it is recommended to drive at a safe speed, especially in areas with known wildlife crossings, and to be aware of your surroundings. If you do encounter an animal on the road, it is best to slow down and try to avoid hitting it, but do not swerve suddenly as this can cause you to lose control of your vehicle.

What Kind Of Damage Is Covered By Metlife Car Insurance In Case Of A Collision With An Animal?

If you have MetLife car insurance with liability-only coverage, you are not covered for damage to your car or injuries sustained in an accident, regardless of the cause. However, if you have collision coverage in addition to liability coverage, you are covered for damages to your car caused by animal-related accidents.

It is important to note that the coverage for animal-related accidents may vary depending on the type of animal involved. For example, hitting a deer may be covered under comprehensive coverage, while hitting a domestic animal may be covered under collision coverage. It is best to check with your MetLife car insurance agent to understand the specifics of your coverage.

In addition, if you are involved in an accident with an animal, it is important to take certain steps to ensure your safety and the safety of others. This includes pulling over to a safe location, contacting the authorities, and seeking medical attention if necessary. It is also important to document the incident by taking photos of the damage and obtaining contact information from any witnesses.

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Can You Add Collision Coverage To Your Liability-Only Policy?

Yes, if you have a liability-only policy with MetLife, you can add collision coverage to your policy for an additional premium. Adding collision coverage to your policy will give you peace of mind knowing that you are protected against damages to your car resulting from an animal-related collision.

It is important to note that collision coverage will also protect you in the event of a collision with another vehicle or object, such as a tree or pole. Without collision coverage, you would be responsible for paying for any damages to your car out of pocket. By adding collision coverage to your liability-only policy, you can ensure that you are fully protected in the event of an accident.

Factors That Affect The Cost Of Adding Collision Coverage To Your Car Insurance Policy

The cost of collision coverage varies depending on a variety of factors like the make and model of your car, your driving record, your age, your location, and the amount of coverage you choose. It’s always advisable to compare quotes from multiple insurance companies to find the best deal.

Another factor that can affect the cost of adding collision coverage to your car insurance policy is the deductible amount you choose. A higher deductible typically means a lower premium, but it also means you’ll have to pay more out of pocket if you get into an accident. It’s important to choose a deductible that you can afford to pay in case of an accident.

Tips For Avoiding Animal-Related Car Accidents And Minimizing Potential Damage

Prevention is key when it comes to avoiding animal-related car accidents. Some things you can do to minimize the risk of hitting an animal include:

1. Drive cautiously, especially in areas where animal sightings are likely
2. Pay attention to warning signs indicating areas with high animal activity
3. Use your headlights, especially at night
4. Keep a safe distance from the vehicle in front of you
5. Remember that animals often travel in groups, so if you see one, slow down and stay alert

If you do hit an animal, try to remain calm and follow these steps:

1. Pull over to a safe spot if possible and turn on your hazard lights
2. Check if you or your passengers are injured and call for help if needed
3. Call the police to report the accident
4. Take pictures of the damage sustained by your car and any injuries sustained by the animal or people involved
5. Contact your insurance company and file a claim

It’s important to note that some animals are more active during certain times of the year. For example, deer are more likely to be on the move during their mating season in the fall. Additionally, some animals are more active during certain times of the day. For instance, many nocturnal animals, such as raccoons and opossums, are more active at night.

Another way to minimize the risk of hitting an animal is to be aware of your surroundings. If you’re driving in a rural area, be on the lookout for animals that may be crossing the road. If you’re driving in a residential area, be aware of pets that may be running loose. By being aware of your surroundings, you can take steps to avoid hitting an animal and minimize potential damage to your car.

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

Filing a claim with MetLife is easy and straightforward. You can do it online, over the phone, or through your insurance agent. When filing a claim for an animal-related accident, make sure to have all the necessary information available, including the details of the accident, pictures of the damage to your car, and any medical bills or receipts for expenses related to the accident.

It is important to note that if you hit a wild animal, such as a deer, you may be covered under your comprehensive coverage rather than your collision coverage. Comprehensive coverage typically covers damage caused by non-collision incidents, such as hitting an animal or a tree falling on your car. However, if you hit a domestic animal, such as a dog or a cow, your collision coverage will likely apply. It is always best to check with your insurance agent to determine the specific coverage and steps to take in the event of an animal-related accident.

Frequently Asked Questions About Metlife Car Insurance Coverage For Animal-Related Accidents

Q: Does MetLife car insurance cover damage caused by an animal if I have liability-only coverage? A: No, liability-only coverage does not cover damages to your car resulting from an animal-related accident.

Q: Can I add collision coverage to my liability-only policy with MetLife? A: Yes, you can add collision coverage to your liability-only policy for an additional premium.

Q: What Kind Of Damage Is Covered By Metlife Car Insurance In Case Of A Collision With An Animal? A: If you have collision coverage in addition to liability coverage, you are covered for damages to your car caused by animal-related accidents.

Conclusion:

Animal-related car accidents can lead to unexpected expenses and leave a lasting impact on your financial and emotional well-being. Understanding your insurance coverage options is essential, especially when it comes to protecting yourself against damages resulting from an accident. Adding collision coverage to your liability-only policy with MetLife can provide you with the added protection you need to mitigate risks and prepare for the unexpected.

Q: Are there any exclusions to MetLife car insurance coverage for animal-related accidents? A: Yes, there are some exclusions to coverage, such as intentional acts or if the driver is under the influence of drugs or alcohol at the time of the accident.

Q: What should I do if I am involved in an animal-related car accident? A: First, make sure everyone involved is safe and call for medical assistance if necessary. Then, contact your insurance company to report the accident and provide any necessary information, such as the location and time of the accident, and any witnesses or police reports.

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