Does my auto insurance cover damage caused by a collision with an animal if I only have liability coverage?
One of the risks you face on the road is colliding with an animal, so you may wonder if car insurance covers damage caused by a collision with an animal if you only have liability coverage. Unfortunately, liability doesn't cover a collision with an animal. You must carry comprehensive auto insurance for damage caused by animal collisions.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jul 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Liability coverage protects you financially if you’re at fault in an accident that causes injury or property damage to others
- Collision coverage typically covers damages to your vehicle in a collision with another car or object
- Comprehensive coverage protects against damages caused by events other than collisions, including animal-related accidents
Dealing with car insurance can be overwhelming, especially concerning which damages are covered. Your car may be damaged after a collision with an animal, and you may sustain injuries.
That’s why it’s essential to know — does auto insurance cover damage caused by a collision with an animal if you only have liability coverage?
In this article, you’ll learn what liability auto insurance covers and when insurance pays for damage caused by a collision with an animal. Furthermore, you’ll gain insight into what to consider when choosing the best affordable auto insurance companies.
Auto Insurance That Covers Damage Caused by an Animal Collision
Liability auto insurance coverage focuses on injuries and property damage to others. It does not typically cover damages to your vehicle. Its primary purpose is to protect you financially if you cause harm to others in an accident.
Collision Coverage and Animal-Related Accidents
Collision coverage is designed to cover damages to your vehicle in case of a collision with another car or object. Whether collision coverage covers damages caused by a collision with an animal depends on your specific policy and insurance provider.
Some policies may include coverage for such accidents, while others may not.
Review your insurance policy documents to determine if your collision coverage includes animal-related accidents. It’s also important to consult your insurance provider to clarify coverage details and potential limitations. They can provide accurate information based on your specific policy.
Comprehensive Coverage and Animal-Related Accidents
Comprehensive auto insurance covers damages caused by events other than collisions. This includes theft, vandalism, and animal-related accidents. Comprehensive coverage may cover damages caused by colliding with an animal, subject to the terms and conditions of your policy.
Having comprehensive coverage can be valuable in protecting your vehicle from significant damage caused by animal collisions. These accidents can cause severe harm to your car, and comprehensive coverage ensures that you’re financially protected in such situations.
If you live in areas prone to animal collisions, adding comprehensive coverage to your policy may be wise. Moreover, you should also learn how to file an auto insurance claim.
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Get The Right Auto Insurance to Cover Damages Caused by Colliding With an Animal
Liability coverage typically covers damage or injuries caused to other parties and their vehicles. Therefore, damage to your car caused by an animal collision will not be covered. While collision coverage may cover animal-related accidents, depending on your policy, it’s also not ideal.
The best way to ensure sufficient coverage against such incidents is to buy comprehensive car insurance.
It’s essential to review your insurance policy and consult with your insurance provider to determine the specific coverage provided for animal-related accidents.
Adding comprehensive coverage to your policy can offer valuable protection against damages caused by animal collisions, but remember to clarify coverage details and any potential limitations with your insurance provider.
Frequently Asked Questions
Can I add comprehensive coverage to my existing auto insurance policy?
You can typically add comprehensive coverage to your existing policy. Contact your insurance company to find out how much your auto insurance rates increase when you add coverage.
Can I purchase collision or comprehensive coverage separately?
Collision and comprehensive coverage are often offered separately, allowing you to customize your insurance policy according to your needs.
Will filing a claim for an animal collision affect my insurance rates?
Filing a claim for an animal collision can affect your insurance rates. If you have such concerns, discuss them with your insurer to understand the potential impact.
What should I do if I hit an animal with my car?
After an animal collision, your safety and that of other parties is the top priority. Begin by slowing down and pulling over to a safe location. Then contact the appropriate departments, including the local police and animal control.
How much do collision and comprehensive coverage cost?
Different factors influence the cost of collision and comprehensive coverage. These include your vehicle, driving history, and location. It’s best to contact your insurance provider for an accurate quote.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.