When you live in Colorado Springs, CO, you get used to seeing wildlife everywhere, and most people know of someone who’s had an unfortunate encounter with an animal on the road. What you might not know is how your auto insurance will cover the resulting damage. At Westco Insurance LLC, we want drivers to be aware of the risks, so we’ll look at the type of insurance you need to cover a collision — and why it’s not just collision that you need to watch out for.
Comprehensive Coverage Includes Animal Damage
A comprehensive insurance policy does cover animal damage. So, whether it’s a squirrel or deer, you can file a claim to fix any damage. However, keep in mind that it’s not just collisions that you need to watch out for.
Some animals, notably rats and mice, can burrow into your car and chew on the electrical wiring. If you leave the window open, larger animals can get in and tear up everything from the seat cushions to the steering wheel. Comprehensive coverage does not distinguish between a damaged bumper and a torn apart cushion, so you can file and generally receive compensation for both (minus your deductible).
The Details
As with most insurance policies, the compensation details may be complicated by the situation. For example, if you hit a cow that’s been left out by its owner, the owner might be held financially liable. If you swerve to avoid hitting a deer, that may or may not be covered. If you have questions about your policy, especially if you’re concerned that you don’t have comprehensive coverage, contact Westco Insurance LLC. We help people in CO find policies that work for them, so they can stay safe no matter where they drive.
