Insured drivers whose cars are damaged in auto-deer collisions may be covered for more than they think. With deer migrating and mating season occurring between October and December, the Wisconsin Better Business Bureau and Insurance Information Institute recommend that drivers read their auto insurance policy closely or they could miss out on reimbursements or other benefits they are entitled to receive.
“Drivers spend a lot of money on auto insurance, but too often they wait until they need to make a claim after an accident and don’t remember what their policy will cover,” said Randall Hoth, president/CEO of the Wisconsin Better Business Bureau. “When there’s a seasonal problem like deer collisions and many people are making claims simultaneously, it’s important for car owners to ask the representative handling their claim about their coverage and deductible, as well as any options that are included, so they get their money’s worth.”
According to the Insurance Information Institute (I.I.I.), a non-profit organization, on average, deer-vehicle collisions cost $2,800 per insurance claim; $10,000 if there is injury to the driver or a passenger.
“Although many states do not require that you purchase comprehensive coverage, your lender may require it until your car loan is paid off,” said Carolyn Gorman, vice president of the I.I.I. “Comprehensive insurance is usually sold with a $100 to $300 deductible.”
The best advice is to be prepared to know what your auto insurance covers and what you should do if your car sustains damages by following these tips:
As part of a nationwide consumer education program, entitled Wiser Drivers Wise Up (www.wiserdrivers.com), the Council of Better Business Bureaus and the Insurance Information Institute have teamed up to inform and educate drivers to review their auto insurance policy annually to make sure they have adequate coverage for various types of incidents, including deer-vehicle collisions.
Both the Insurance Information Institute and the Council of Better Business Bureaus advise drivers to take a few minutes annually to read their policy or talk to their insurance agent to make sure they have the coverage they want and need. Knowing as much as possible about your coverage is the best way to ensure you get your money’s worth. For more details, go to http://www.iii.org/individuals/auto/a/basic/
About the Insurance Information Institute
The Insurance Information Institute (www.iii.org) is a non-profit, communications organization supported by the property/casualty insurance industry.
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