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If you crash while avoiding hitting a deer will your insurance company find you at fault?
Alanfarrow
As long as there is no other driver, you are technically at fault. However, some policies contain accident forgiveness clauses if its your first, or clauses that consider damage to your vehicle, you and your passengers would have been worse if you had not taken action to avoid the deer. If damage is worse because you swerved to avoid the deer, this argument will not work. Unfortunately, there is no Humanity clause in insurance policies that gives you a break for saving the life of an animal. However, your agent and adjuster may be as kind to you as possible, perhaps forgiving the accident so that it does not impact your renewal premium. It doesn't hurt to ask. or you can say the deer ran into the road, if it seemed like that to you.
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∙ 14y ago
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What does the company Car Crash Line do?
A Car Crash Line provides a emergency service to contact your insurance company to inform them about the car crash that happened and they will explain in detail.
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In any state where no-fault auto insurance is required by law, you recover the cost of damage to your auto and to its occupants from your own insurance company. There is no need to prove who was at fault in the accident. For example, if two cars crash each other, each goes to its own insurance company to be reimbursed for the physical damage and medical costs which result.
Could your cars ACV be affected if it was in a previous at-fault crash and then in a second at fault crash that totaled it and the incidents were within 8 months of each other?
Actually I asked this question because it has happened to me. However I just got my offer report from my insurance company and the ACV wasn't affected at all. They went on the cars condition prior to the accident. I suppose the answer here is it depends on your insurance company.
