For many people, one of the worst things that can happen is hitting an animal, especially something large like a deer. Whether a deer has run into the road in front of your car or an animal hits the side of your vehicle, you could find yourself in a situation where your car is damaged.

NY Twin Bridges Insurance Agency understands the risks on the road, including those related to animals in Albany, NY. If you hit a deer or another animal, here’s how your insurance is affected.

Comprehensive Coverage May Help

If a deer hits your vehicle, comprehensive coverage may cover the damage. If your vehicle is damaged or even totaled by an animal, your coverage may step in. You will only need to pay the deductible in many cases.

Collision Coverage May Be Necessary

Let’s say that you swerve to avoid the deer and end up hitting another object or vehicle. Comprehensive coverage may not cover damage to the vehicle. You would need collision coverage to recover your losses because comprehensive coverage does not often cover these types of damages.

Your Insurance May Not Be Affected

Many people do not report deer accidents to their insurance companies, but this could be a mistake. Many states don’t change your insurance policy because you hit a deer, so it’s often beneficial that you report the damage and make use of your policy.

Get the Right Insurance Policy Today

You deserve protection if you hit a deer or your vehicle is damaged by an animal. NY Twin Bridges Insurance Agency can help you understand your insurance options. Call our office today to discuss insurance options in Albany, NY.

The team at NY Twin Bridges Insurance Agency is here for all of our clients in the Albany, NY area. That means we’ll be here for you through good times and bad. If you have been in an accident, let us help with the claims filing process and help make the experience a little less stressful!

What to do after an accident

The first and most important step after an auto accident is to seek medical help. Many common injuries for people involved in an accident are soft tissue injuries such as whiplash and shoulder strain. Due to the nature of these injuries, you may feel fine immediately after your accident. Because of this, it is important to always get a physical examination, even if you feel fine and think that the accident was a minor one. 

Notifying the police of an accident is not always required if there aren’t any significant injuries. If you feel like the other party involved in the accident is less than trustworthy, it may be worth your time to have the police come to make a report. After you have received medical attention and traded insurance information with the other involved parties, you will want to begin the claims process and take the necessary steps to have your vehicle repaired. If your auto policy includes roadside assistance, you will be able to quickly and affordably get your car towed to a repair shop. Be sure to take your vehicle to a reputable repair shop or dealership for any necessary repairs.

Contact us, we can help!

The NY Twin Bridges Insurance Agency is proud to serve the insurance needs of our Albany, NY community. If you would like to learn more about the auto insurance options available in our area, call or stop by today!