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Hitting an animal is covered by comprehensive insurance, which repairs the policyholder’s car when it’s damaged by something other than an accident with another car or stationary object. If you hit an animal and file a comprehensive claim, you will be required to pay a deductible – usually $100 to $1,000.
On the other hand, collision insurance applies after a single-car accident or a wreck with another vehicle or stationary object. For example, you would use collision insurance if you drove your car into a tree. But it wouldn’t apply if you hit an animal.
To learn more, check out WalletHub’s guide to collision vs. comprehensive insurance.
People also ask
Is it better to have comprehensive or collision?
It is better to have comprehensive insurance than collision insurance, if you need to choose between the two. Comprehensive coverage is inexpensive, can be purchased alone, and pays for damage due to events beyond your control, such as vandalism, theft, natural disasters or run-ins with animals.
On the other hand, drivers with a history of accidents or moving violations and drivers who live in high traffic areas should consider investing in collision insurance. Given that collision...
read full answerWhat is a collision insurance deductible?
A collision insurance deductible is the amount of money that a driver must pay out-of-pocket when filing a collision insurance claim. Collision insurance pays to repair or replace a car damaged in an accident, and a driver must pay their collision deductible before their insurance company will cover the remaining costs.
Collision Deductible Example
Say you are at fault in an accident that causes $10,000 in damage and you have a collision deductible of...
read full answerWhat is a good comprehensive deductible?
A good comprehensive deductible is an amount that the policyholder can afford to pay if their vehicle is suddenly damaged by something other than a car accident, such as vandalism or a natural disaster. Comprehensive insurance deductibles typically range from $100 to $1,000, but they can sometimes be as high as $2,500. You choose your deductible when you purchase your policy, and the higher the deductible is, the lower your premium will be.
Comprehensive Deductible...
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