Does Plymouth Rock Assurance Corporation car insurance cover damage caused by a deer or other wildlife?

If you’re driving on a rural road or even a suburban street, chances are you’ve encountered deer or other wildlife along the way. While these creatures may be beautiful to look at, they present a serious hazard to drivers. Car accidents involving deer and wildlife are common, and they can cause significant damage to your vehicle. If you have car insurance with Plymouth Rock Assurance Corporation, you may be wondering if your policy covers damage caused by wildlife accidents.

Understanding Car Insurance Coverage For Wildlife Accidents

First and foremost, it’s important to understand that not all car insurance policies cover damage caused by wildlife accidents. However, many policies do include this coverage as part of their comprehensive coverage. Comprehensive coverage is an optional add-on to your policy that protects you from things like theft, vandalism, and natural disasters.

If you have comprehensive coverage with Plymouth Rock Assurance Corporation, then you likely have coverage for damage caused by wildlife accidents. This means that if you hit a deer or other animal while driving, your policy will cover the cost of repairing the damage to your vehicle.

It’s important to note that even if you have comprehensive coverage, there may still be limits to the amount of coverage provided for wildlife accidents. For example, your policy may only cover up to a certain amount for repairs or may have a deductible that you need to pay before coverage kicks in.

Additionally, it’s important to take steps to avoid wildlife accidents whenever possible. This includes being aware of your surroundings while driving, especially in areas where wildlife is known to be present, and reducing your speed at night when visibility is lower.

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The Impact Of Deer And Other Wildlife On Car Accidents

Deer and other wildlife present a serious hazard to drivers for several reasons. For one, they are unpredictable – they may suddenly dart out into the road with very little warning. Additionally, they are often very large and heavy, which means that collisions can cause significant damage to a vehicle.

According to the Insurance Information Institute, there are an estimated 1.5 million deer-vehicle collisions in the US each year, resulting in over $1 billion in vehicle damage. This is a significant issue, and it’s one that drivers should be aware of.

Aside from the financial cost of vehicle damage, collisions with deer and other wildlife can also result in serious injuries or even fatalities. In fact, the National Highway Traffic Safety Administration reports that there were 191 deaths attributed to animal-vehicle collisions in 2018 alone.

There are several steps that drivers can take to reduce their risk of colliding with wildlife. These include staying alert and aware while driving, especially in areas where wildlife is known to be present, and reducing speed when driving at night or during dawn and dusk when animals are most active. Additionally, drivers should always wear their seatbelts and avoid swerving to avoid hitting an animal, as this can cause them to lose control of their vehicle.

How To Stay Safe When Driving In Areas With High Deer Populations

If you live in an area with a high deer population, then it’s important to take steps to stay safe while driving. Some tips to keep in mind include:

• Reduce your speed when driving in areas with high deer populations
• Be extra vigilant during dawn and dusk, when deer are most active
• Use your high beams when driving at night, as this can help you spot deer on the side of the road
• If you see a deer in the road, slow down and try to come to a stop

Another important tip to keep in mind is to always wear your seatbelt. In the event of a collision with a deer, wearing a seatbelt can greatly reduce your risk of injury. Additionally, if you do hit a deer, it’s important to stay in your vehicle and call for help. Attempting to move the injured animal or leaving your vehicle can put you at risk of further harm.

What To Do If You Hit A Deer Or Other Wildlife While Driving

If you do hit a deer or other animal while driving, there are several steps you should take:

• Assess the damage to your vehicle and any injuries you or your passengers may have sustained
• Contact the police to report the accident
• Take photos of the damage to your vehicle and the scene of the accident
• Contact your car insurance provider to report the accident and start the claims process

It is important to note that hitting a deer or other wildlife can be a traumatic experience for both the driver and the animal. If the animal is still alive after the accident, it is important to keep a safe distance and not attempt to move or touch it. Contact your local animal control or wildlife rehabilitation center to report the incident and get assistance for the injured animal.

Additionally, it is important to take preventative measures to avoid hitting wildlife while driving. Be aware of your surroundings, especially during dawn and dusk when animals are most active. Use your high beams when driving in rural areas to increase visibility, and slow down if you see any signs warning of wildlife crossings.

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The Cost Of Repairing Car Damage Caused By A Wildlife Accident

The cost of repairing damage caused by a wildlife accident can vary widely depending on the extent of the damage and the make and model of your vehicle. However, in general, these types of accidents can be quite costly. According to Consumer Reports, the average cost of repairing damage caused by a deer-vehicle collision is around $2,800.

It’s important to note that the cost of repairing car damage caused by a wildlife accident may not be covered by your insurance policy. Some insurance policies may have specific coverage for wildlife accidents, while others may not. It’s important to review your policy and speak with your insurance provider to understand what is covered and what is not. Additionally, taking preventative measures such as driving cautiously in areas known for wildlife crossings and installing deer whistles on your vehicle can help reduce the risk of a wildlife accident and potential costly repairs.

Factors That Determine Coverage For Wildlife Accidents In Car Insurance Policies

There are several factors that can determine whether or not a car insurance policy covers damage caused by wildlife accidents. Some of the factors that may come into play include:

• The specific coverage you have on your policy (comprehensive coverage may be required to cover damage from wildlife accidents)
• The circumstances surrounding the accident (for example, if you swerved to avoid the animal and hit a tree instead, this may not be covered by your policy)
• The make and model of your vehicle (some vehicles may be more expensive to repair than others)

It’s important to note that coverage for wildlife accidents can vary depending on the insurance company and the state in which you live. Some states may require insurance companies to cover damage caused by certain types of wildlife, while others may not. Additionally, some insurance companies may offer optional coverage specifically for wildlife accidents, which can provide additional protection beyond what is included in a standard policy. It’s always a good idea to review your policy and speak with your insurance agent to fully understand your coverage options in the event of a wildlife accident.

Wildlife Collisions And Their Effect On Your Car Insurance Rates

If you do need to file a claim for damage caused by a wildlife accident, you may be wondering if this will affect your car insurance rates. The answer is that it depends on several factors. Some insurance companies may raise your rates after any type of accident, while others may only do so if you are at fault.

If you have comprehensive coverage, then filing a claim for a wildlife accident should not be considered an at-fault accident. However, it’s always a good idea to check with your insurance provider to understand how the claims process may affect your rates.

It’s important to note that the type of wildlife involved in the accident can also impact your insurance rates. For example, hitting a deer may be viewed differently than hitting a smaller animal like a raccoon or squirrel. Additionally, if you live in an area with a high risk of wildlife collisions, such as near a national park or in a rural area, your insurance rates may already be higher to account for this risk.

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Tips For Filing A Claim With Plymouth Rock Assurance Corporation After A Wildlife Accident

If you do need to file a claim with Plymouth Rock Assurance Corporation after a wildlife accident, there are several tips to keep in mind:

• Contact the company as soon as possible to report the accident
• Be honest and accurate when providing information about the accident
• Provide as much detail as possible about the damage to your vehicle
• Submit any photos or documentation of the accident that may be requested

It is important to note that filing a claim for a wildlife accident may result in an increase in your insurance premiums. However, if you have comprehensive coverage, the damage caused by the wildlife may be covered.

Additionally, it is recommended that you take steps to prevent future wildlife accidents, such as driving cautiously in areas known for wildlife crossings and installing deer whistles on your vehicle.

Alternatives To Traditional Insurance Coverage For Wildlife Accidents

If you are concerned about the cost of repairing damage caused by a wildlife accident, there are some alternatives to traditional car insurance coverage that you may want to consider. One option is a roadside assistance program with coverage for collision repair. Another option is to purchase a specific wildlife collision coverage endorsement, which can provide additional protection beyond your standard comprehensive coverage.

In conclusion, if you have car insurance with Plymouth Rock Assurance Corporation, it’s likely that you have coverage for damage caused by wildlife accidents if you have comprehensive coverage. However, it’s always a good idea to understand your specific coverage and to take steps to stay safe when driving in areas with high deer populations.

Another alternative to traditional insurance coverage for wildlife accidents is to install deer whistles on your vehicle. These whistles emit a high-pitched sound that can alert deer and other wildlife to your presence, potentially reducing the likelihood of a collision. Additionally, some states offer programs that provide financial assistance to drivers who have experienced damage from wildlife accidents.

It’s important to note that while these alternatives can provide additional protection, they may not be as comprehensive as traditional car insurance coverage. It’s always a good idea to review your options and choose the coverage that best fits your needs and budget.

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