No, as long as you were not sleeping behind the wheel. Being sleepy is not a crime.
Uninsured motorist covers you in the case you are in an accident with another driver that does not have insurance. Comprehensive coverage is what will pay when you hit a deer.
No, it is covered under your comprehensive coverage and will not affect future rates. If the deer was alive when and moving when you hit it, you're fine.
No. We do not have state deer, here in Indiana. Only wild deer. www.nationalautoinc.com
It means you probably shot the deer in the lungs.
no, but the PD should be covered by comprehensive
Deer Collision No. Liability insurance is triggered when you are at-fault for an accident. It's used to pay for the damage you cause to someone else's property, not your own. A deer hit would fall under comprehensive coverage, and isn't considered an at-fault loss. In some states, collisions with wildlife are covered by the state. Check with your insurance agent.
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.
You will need to for the insurance claim for car repairs.
The state of NY is not going to pay for damages to your car if you hit a deer. You need to make a police report and contact your car insurance agent.
Comprehensive coverage will usually cover you if you hit a deer. Coverage may be optionally covered under comprehensive or collision in some states. If you do not actually hit the deer and have a collision, it would only be covered under collision insurance.
Depends if you're insurance has maybe a few accident forgiveness credits. Mine has 2 a year.
Yes, unless your insurance contract specifies that you would not. When you advise the insurance rep what deductable you want, you are basically saying, "if i get into an accident, this is the amount that I am agreeing to pay as my share of the cost of repairs". keep in mind, you would also need comprehensive insurance on your policy in order for the insurance company to cover the damages to your veh. in the event you hit a deer. Hope this helps!! I have been doing accident claims for 3 years now for a major insurance company.