You are required by law to have liabilty coverage, but not collision coverage. If you did not have collision coverage then you are not due any compensation by your insurance company. If you did have collision insurance and the insurance company will not pay, then you may be able to sue the insurance company, but you cannot sue the state.
The only intitlement of monies will go to that deer, for the deer is someones property(state)and your insurance company may have to pay for its medical bills if it survived the accident, but nothing to you.
If you have full coverage then you just call your insurer and report the accident. If you just have liability then your on your own. The deer likely has no insurance.
A photo of the deer might help your cause but the insurance Co. won't process the claim without a police report.
Generally when it comes to hitting an animal your insurance angency will only make you pay your deductible. Sometimes it is completely covered.
if you are HITTING a deer in Indiana then you should probably stop.
No. We do not have state deer, here in Indiana. Only wild deer. www.nationalautoinc.com
You still had a accident. What you hit was a curb.
No. By "full coverage," I assume you mean you have comprehensive and collision coverage. This does not include rental. You have to buy a special endorsement on your policy to get rental. Hitting a deer is a comprehensive claim and if you have rental, you will get a rental if the car is non-drivable or when it is in the shops for the repairs. If you did not buy rental, the insurance company does not have to pay. Check your coverages.
If you hit a deer while driving, your rates should not increase. If you swerve to hit a deer and hit a tree, your rates should increase. The thought behind this is anyone could say they swerved to miss a deer when an accident happens and their rates would not increase. If you hit the deer, there will obviously be proof coming from your front end.
Actually, hitting a deer is generally covered by your comprehensive coverage, not collision. Comprehensive covers "acts of God," which include hitting animals because it was an act of God that the animal was there at that time. Reading your insurance policy will clarify exactly which kinds of claims are covered by which types of insurance. There are 3 catagories for car insurance: 1. Liability (covers you if you hit someone else) 2. Comprehensive (covers you if an uninsured driver hits you), and 3. Collision (covers you if you hit something -for instance, a deer-)
Assuming you are asking about insurance, coverage would be determined by your insurance company, not the State of Minnesota. The State of Minnesota will not pay for damage to your car if you hit a deer.