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.