How Car Insurance Helps Drivers That Had A Collision with An Animal?

LOS ANGELES, Aug. 10, 2019 /PRNewswire-PRWeb/ -- Cheapquotesautoinsurance.com has launched a new blog post that explains what car insurance coverage drivers need if they hit an animal.

For more info and free online quotes, please visit https://cheapquotesautoinsurance.com/how-useful-is-car-insurance-if-you-hit-an-animal-with-your-car/

Drivers that have the misfortune of hitting an animal with their vehicle can suffer severe injuries and their vehicles can sustain extensive damage. Without the proper coverage, the drivers can potentially lose thousands of dollars if they hit an animal. The only coverage that will reimburse the drivers in these situations is the comprehensive car insurance.

Drivers that hit an animal should know more about the following:

    --  Collision coverage. Even though it comes bundled with comprehensive
        coverage, it will not pay if someone hits an animal with their car.
        Collision coverage may apply if a driver tries to avoid an animal and
        hits an object like a fence or a lamp post.
    --  Comprehensive coverage. It costs several hundred dollars per year and is
        good to have it in case of an animal collision. Drivers can lower their
        comprehensive insurance costs if they choose to pay a higher deductible.
    --  Liability insurance. In case of an animal collision, liability insurance
        will not kick in. Liability insurance only applies to the damage done by
        the policyholder, not to the damage done to the policyholder.
    --  Animal damage clause. Comprehensive insurance has an animal damage
        clause that can be applied if the car suffered damage caused by an
        animal. Drivers can hit an animal that is wildly running in the middle
        of the road, or they can hit a stationary animal. As long as a driver
        has comprehensive coverage with an animal damage clause, he or she will
        be reimbursed.
    --  The deductible. Before the insurance kicks in, the driver will have to
        pay an amount of money called the deductible. Drivers that select higher
        deductibles on their comprehensive coverage, will pay lower insurance
        rates. Before the insurer will pay for the damage done to a vehicle, the
        policyholder will have to pay the deductible. In case of a total loss of
        the vehicle, the policyholder will be reimbursed with the actual cash
        value of the vehicle.
    --  Increased premiums. Drivers that file a claim for an animal collision
        will have their premiums increased by their insurers. Usually, the
        insurance rates will be higher with as much as $100 per year and will
        remain higher for a period that is between 3 to 5 years.

For additional info, money-saving tips and free car insurance quotes, visit https://cheapquotesautoinsurance.com/

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