If you’ve ever driven through a wooded area at night, you know the sudden, heart-pounding moment when a deer darts across the road. Wildlife collisions are more common than you might think, especially in rural areas. At Riverside Insurance Agency Inc. in Byram, MS, we often receive questions from drivers wondering if their auto insurance will cover damage from hitting an animal. The answer depends on your policy.
What Type of Coverage Do You Need?
When it comes to wildlife collisions, the type of auto insurance you carry makes all the difference. If you only have liability coverage, you’re likely out of luck—liability insurance only covers damage you cause to others. To be protected in situations where you hit a deer, raccoon, or other animal, you’ll need comprehensive coverage. This portion of your policy is designed to cover non-collision incidents, including theft, weather damage, and animal impacts.
Why Comprehensive Coverage Matters
Collisions with animals can cause significant damage—not just to your car but also to your wallet if you’re not properly insured. Even smaller animals can crack a bumper or damage internal components. Larger wildlife collisions, such as hitting a deer, can sometimes result in a totaled vehicle. Having the right coverage provides peace of mind, especially during seasons when wildlife activity is at its peak.
Stay Prepared for the Unexpected
Nature is unpredictable, but your insurance doesn’t have to be. If you’re unsure whether your current policy includes comprehensive coverage or if you’d like to review your options, we’re here to help. Contact Riverside Insurance Agency Inc. in Byram, MS, today, and let’s ensure you’re protected from whatever crosses your path.
