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Auto Insurance Claims/car/deer accident

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Expert: Bennie719 - 12/25/2007


Question
I was involved in a car/deer accident today the deer was unavoidable and in a running motion I am in the state of MI. Will my state pay my deductible for the repairs on my car?

Answer
Hi Tammie,
Sorry about the deer, hope you are OK.
No, The state will not pay your deductible.  Striking a wild animal falls under the Comprehensive portion of your policy which usually carries a much smaller deductible than the Collision portion.
This falls in the same category as a broken window and will not be considered a chargeable accident and will not cause a rate increase.
Hope this has been of help.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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