You still had a accident. What you hit was a curb.
Answer it will if you have full accident insurance Answer only if you have full coverage. Actually, it depends on whether or not the deer was in a pedestrian crosswalk. If it was, then your insurance will cover you as stated. However, if the deer was not in a crosswalk, then the deer's insurance will be liable.
In case you have a Comprehensive Car Insurance Policy or Standalone Own Damage Car Policy, only damages against an animal attack such as a deer attack are covered. For more clarity on this, you can either read your policy document or get in touch with the customer care of your insurer. Hope, this answer was helpful!
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 Personal Injury Protection coverage on your policy and you are injured after striking an animal it should apply to your injuries. You must have "Other than Collision coverage" for the damage to your vehicle.
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-)
if you are HITTING a deer in Indiana then you should probably stop.
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.
no, but the PD should be covered by comprehensive
A photo of the deer might help your cause but the insurance Co. won't process the claim without a police report.
Liabilty will not cover damage from a collision with a deer no matter what insurance company you have. Animal collisions are covered under "Comprehensive" or "Other Than Collision" coverage. Liability only covers damage you do when you are at fault.
Mine doesn't but we don't have many bears in the UK. Read your insurance policy.