How Your Car Insurance Covers You as Wildlife Collisions Increase in Spring

As spring arrives, drivers often look forward to scenic drives and milder weather. However, this season also brings a noticeable increase in wildlife activity, leading to a higher risk of animal-related auto accidents. At General Insurance Services, our team can help you understand these seasonal risks and make sure you have the right auto insurance in place.

Why Do Wildlife Collisions Rise in Spring?

Spring marks a period of migration, mating and increased movement for many animals, including deer and smaller wildlife. As animals cross roads more frequently in search of food or mates, the chances of encountering them while driving go up, especially at dawn and dusk. Rural roads and diverse landscapes can make these encounters more common, putting drivers at greater risk for unexpected collisions.

What Auto Insurance Covers Wildlife Collisions?

Not all auto insurance policies automatically cover damage from wildlife collisions. Here’s what you should know:

• Comprehensive coverage is key. This is the primary part of auto insurance that covers damage to your vehicle from accidents involving deer or other animals.
• Collision coverage excludes animal crashes. This part of your policy is intended only for crashes involving other vehicles or stationary objects. Relying on it to help with wildlife collisions could be a crucial mistake.
• Medical payments require additional coverage. While comprehensive coverage can help pay for vehicle damage caused by a collision with an animal, if you or your passengers are injured, medical payments coverage, or MedPay, is key to helping pay for resulting health care costs.
• Deductibles apply. Comprehensive claims typically require you to pay a deductible before your insurance helps cover remaining repair costs.
• Lenders may mandate coverage. While North Carolina does not require comprehensive coverage by law, it can be a valuable addition for drivers concerned about wildlife risks and is often required if you have a loan on your vehicle.

How General Insurance Services Can Help

Our team at General Insurance Services works closely with clients across Asheville, NC to review their current auto insurance policies, explain the benefits of comprehensive coverage and help them make informed decisions based on their needs. Whether you’re concerned about deer accidents or other spring driving risks, we can guide you through your options.

If you have questions about your coverage or want to review your policy, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.