Does Plymouth Rock Assurance Corporation car insurance cover damage caused by a collision with an animal if I only have liability coverage?

If you’re a driver, you know that there are a lot of hazards on the road, and one of them is animals. Whether it’s a deer darting across the highway or a squirrel running out into the middle of the street as you approach, the possibility of a collision with an animal is always there. And if you’re involved in an accident with an animal, you may be left wondering what your car insurance will cover. Specifically, if you have liability coverage, will it cover damages caused by a collision with an animal? In this article, we’ll take an in-depth look at Plymouth Rock Assurance Corporation’s car insurance policies to see what they cover and what they don’t when it comes to animal collisions.

Understanding Plymouth Rock Assurance Corporation Car Insurance Policies

Plymouth Rock Assurance Corporation is a leading provider of car insurance in the US. They offer a wide range of policies to protect drivers from the unexpected, including liability coverage, collision coverage, comprehensive coverage, and more. Each of these policies works differently, so it’s important to understand what’s covered and what’s not.

Liability coverage is the most basic type of car insurance policy offered by Plymouth Rock Assurance Corporation. It covers the cost of damages or injuries that you may cause to other people or their property while driving your car. Collision coverage, on the other hand, covers the cost of damages to your own car in case of an accident, regardless of who is at fault. Comprehensive coverage is another type of policy that covers damages to your car caused by non-collision events, such as theft, vandalism, or natural disasters.

It’s important to note that Plymouth Rock Assurance Corporation also offers additional coverage options, such as roadside assistance, rental car reimbursement, and gap insurance. These options can provide extra protection and peace of mind in case of unexpected events. When choosing a car insurance policy, it’s important to carefully consider your needs and budget, and to compare different options to find the best fit for you.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What Is Liability Coverage In Car Insurance?

Liability coverage is one of the most basic types of car insurance, and it’s required in most states. It covers the other driver’s medical and repair expenses if you’re found at fault in an accident. However, it typically doesn’t cover damages to your own vehicle.

It’s important to note that liability coverage limits vary by state and insurer. The minimum coverage required by law may not be enough to fully cover the costs of an accident. It’s recommended to consider purchasing higher limits to protect yourself financially in case of a serious accident.

Additionally, liability coverage may also include coverage for legal fees and court costs if you’re sued as a result of an accident. This can be especially important if the other driver or passengers in their vehicle are injured and decide to pursue legal action against you.

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

Unlike liability coverage, collision coverage covers damages to your own vehicle if you’re in an accident. This includes collisions with another vehicle, as well as collisions with objects like trees or telephone poles. Collision coverage is optional, but it’s highly recommended if you want to protect your investment in your car.

On the other hand, liability coverage only covers damages and injuries that you cause to others in an accident. This includes damage to their vehicle, property, and any injuries they sustain. Liability coverage is required by law in most states, and it’s important to have enough coverage to protect your assets in case of a lawsuit.

It’s important to note that collision coverage 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, but you’ll have to pay more if you get into an accident. It’s important to weigh the cost of the deductible against the cost of your car and your ability to pay for repairs out of pocket.

How Does Car Insurance Work In The Event Of An Accident With An Animal?

Most car insurance policies, including those offered by Plymouth Rock Assurance Corporation, cover damage to your vehicle if you’re in an accident with an animal. This coverage is typically included with your comprehensive coverage, which covers non-collision events like theft, vandalism, and weather damage. However, if you only have liability coverage, you may not be covered in the event of a collision with an animal.

It’s important to note that the type of animal involved in the accident can also affect your coverage. For example, hitting a deer is a common occurrence and is typically covered by comprehensive insurance. However, if you hit a domestic animal like a dog or cat, some insurance policies may not cover the damages. It’s always best to check with your insurance provider to understand the specifics of your coverage.

In addition to damage to your vehicle, car insurance may also cover injuries sustained by you or your passengers in an accident with an animal. This coverage is typically included in your bodily injury liability coverage. However, it’s important to note that if you hit a wild animal like a deer, your insurance may not cover any injuries sustained by the animal.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Is Hitting An Animal Covered By Car Insurance?

As noted above, if you have comprehensive coverage, hitting an animal is typically covered by your car insurance policy. However, if you only have liability coverage, hitting an animal may not be covered. It’s important to review your policy carefully to understand what’s covered and what’s not.

It’s also worth noting that hitting an animal can cause significant damage to your vehicle, and depending on the severity of the collision, it may not be safe to continue driving. In these cases, it’s important to pull over to a safe location and contact your insurance provider as soon as possible. They can help you arrange for a tow truck and provide guidance on next steps.

What Kind Of Damage Is Covered By Plymouth Rock Assurance Corporation’S Car Insurance Policies?

If you have comprehensive coverage through Plymouth Rock Assurance Corporation, your policy will typically cover any damage to your vehicle caused by an animal collision. This can include scratches, dents, broken windows, and other types of damage.

In addition to animal collisions, Plymouth Rock Assurance Corporation’s car insurance policies also cover damage caused by natural disasters such as hurricanes, tornadoes, and floods. This coverage can help pay for repairs or replacement of your vehicle if it is damaged or destroyed by a natural disaster.

Furthermore, Plymouth Rock Assurance Corporation’s car insurance policies also provide coverage for theft or vandalism of your vehicle. If your car is stolen or vandalized, your policy can help cover the cost of repairs or replacement of your vehicle, as well as any personal belongings that were stolen or damaged.

Can You Add Collision Coverage To Your Plymouth Rock Assurance Corporation Policy?

If you’re concerned about the possibility of an animal collision, you may want to consider adding collision coverage to your Plymouth Rock Assurance Corporation policy. This will give you more comprehensive protection in the event of an accident, including collisions with animals. Contact your insurance agent to learn more about your options.

It’s important to note that collision coverage typically comes with a deductible, which is the amount you’ll have to pay out of pocket before your insurance kicks in. Make sure to choose a deductible that you can comfortably afford in case of an accident. Additionally, collision coverage may not cover all types of damage, such as damage from natural disasters or theft. Be sure to read your policy carefully and ask your insurance agent any questions you may have.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

The Importance Of Reviewing Your Car Insurance Policy Before Hitting The Road

Before you hit the road, it’s essential to review your car insurance policy to ensure that you’re adequately protected. If you’re not sure what your policy covers, reach out to your agent for assistance. Knowing what’s covered and what’s not can help you make informed decisions on the road and avoid surprises in the event of an accident.

It’s also important to review your policy periodically, even if you’re not planning a road trip. Life changes, such as getting married, having children, or moving to a new state, can affect your insurance needs. By reviewing your policy regularly, you can make sure that you have the right coverage for your current situation and avoid any gaps in protection.

Steps To Take After An Accident With An Animal

If you’re involved in an accident with an animal, there are several steps you should take to ensure your safety and minimize damage:

• Check yourself and any passengers for injuries
• Pull over to a safe location and turn on your hazard lights
• Call the police to report the accident
• Take photos of the damage and the animal if possible
• Contact your insurance agent to report the accident and file a claim

How To File A Claim With Plymouth Rock Assurance Corporation For Damages Caused By An Animal Collision

If you’re involved in an accident with an animal and need to file a claim with Plymouth Rock Assurance Corporation, the process is straightforward:

• Contact your insurance agent to report the accident
• Provide any necessary information, such as the location of the accident and the extent of the damage
• File a claim with Plymouth Rock Assurance Corporation
• Work with your insurance adjuster to have the damage assessed and the repairs arranged

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tips For Avoiding Animal Collisions While Driving

While it’s impossible to completely avoid the possibility of an animal collision, there are steps you can take to minimize the risk:

• Stay alert and keep an eye out for animals, especially during dawn and dusk, when animals are most active
• Reduce your speed when driving through areas known to have a high risk of animal collisions, such as rural areas and wooded areas
• Use your high beams when driving in rural areas to increase your visibility
• Don’t swerve to avoid an animal. It’s safer to slow down and brake if possible.

Frequently Asked Questions About Car Insurance And Animal Collisions

Here are some of the most common questions drivers have about car insurance and animal collisions:

• Is hitting an animal considered an at-fault accident? No, hitting an animal is generally not considered an at-fault accident, since animals are considered an unforeseeable road hazard.
• Will my insurance rates go up if I’m in an accident with an animal? This depends on your insurance company and policy. Generally speaking, however, accidents with animals are less likely to result in a rate increase than accidents with other vehicles.
• What if an animal damages my car when I’m parked? If an animal damages your car while it’s parked, this is typically covered under your comprehensive coverage.

The Impact Of Animal Collisions On Your Car Insurance Rates

While hitting an animal is generally not considered an at-fault accident, it can still have an impact on your car insurance rates. If you file a claim for damages caused by an animal collision, your rates may go up. However, this is often less significant than the increase you would see for an accident with another vehicle.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Comparing Plymouth Rock Assurance Corporation’S Car Insurance Policies To Other Providers For Animal Collision Coverage

If you’re shopping for car insurance and are concerned about animal collision coverage, it’s important to compare policies from multiple providers. While Plymouth Rock Assurance Corporation offers comprehensive coverage that includes animal collisions, other providers may offer different types of coverage or different rates. Be sure to compare policies carefully before making a decision.

In conclusion, if you have liability coverage through Plymouth Rock Assurance Corporation, you may not be covered in the event of an accident with an animal. However, if you have comprehensive coverage, you should be covered for damages caused by an animal collision. To be sure you have the coverage you need, review your policy carefully and contact your agent if you have any questions.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption