Auto Insurance Claims/Deer Accident

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Expert: - 3/2/2009


Question
I recently had a deer run into the side of my car. The damage was just under $500.00. I have $500.00 deductible. I was told by the manager of the collision shop that there is some sort of conservation law that states if an accident of this sort happens the insurance waives the deductible. Is this correct? I am in New York State.

Answer
Hi Paul,

Unfortunately, your question is too state specific. I am not aware of any such law.

You would need to consult with someone who actually handles claims in New York for an answer.

You might try calling your agent and just ask a "hypothetical" question without telling them that it is regarding yourself. Just say that a friend was hit by a deer and you heard about this law and is it true.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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