Picture this: you are driving down the road and a deer suddenly jumps out in front of you. In this situation, it can be difficult to avoid hitting it head on. While hitting a deer is unfortunate, sometimes this type of car accident is inevitable. If you’ve recently hit a deer, you may be wondering whether your insurance policy will cover the costs associated with repairing or replacing your vehicle. Read on to find out.
If you have opted for the optional comprehensive coverage on your insurance policy, you will be covered if you hit a deer. Comprehensive coverage will pay for a repair or replacement in the event that your vehicle has suffered from damage when it hit a deer. It’s important to note that in order for comprehensive coverage to apply, your vehicle must come into physical contact with the deer. If you swerve to attempt to miss a deer and crash, your claim turns into a collision claim.
Although liability coverage is required in Illinois, it does not typically pay for damages that arise when you hit a deer. It is intended to pay for coverage if you cause an accident, hurt someone, or damage someone else’s property. It does not pay for vandalism, theft, hitting a deer, or other damage to your vehicle that is not triggered by an accident.
Comprehensive coverage typically only covers the property damage to your vehicle; however, it does not usually include medical payments if you’ve been injured. However, most insurance policies offer optional medical payment insurance that is beneficial if you’re involved in an accident that is not covered by collision insurance. Medical payment insurance may be purchased separately and will cover up to a specified amount of medical payments for each person involved in a collision. If you were injured when you hit the deer, your medical payment insurance will pay your medical bills up to the amount you specified in your coverage.
Like all businesses, insurance companies are in the business of making money by reducing their expenses and raising their revenue levels. Therefore, an insurer will deny a claim anytime they can justify it. Hiring a Chicago injury lawyer that understands the insurance claim process, can form relationships with claim adjusters, and settle disputes to ensure an insurance company is not taking advantage of you is a smart choice.
If you have been injured in a deer accident in Illinois, you may be entitled to a settlement to pay for your damages and injuries. Contact Staver Accident Injury Lawyers, P.C. at (312) 236-2900 today for a free consultation from an experienced Chicago injury lawyer. We will thoroughly investigate your insurance policy and specific situation so that we can inform you of your options for compensation. Since we operate on a contingency fee basis, it will not cost a penny for you to hire us for your insurance dispute unless we obtain a settlement or verdict.