Maybe this is a stupid question maybe not
- Thread starter 2FR35H
- Start date
GrimreaperNY
New member
Damn, sorry to hear that. We don't have much deer up hear in ny. These cars suck anyways! I bought mine not to long ago and quickly gave it to my wife. She loves it but I'd much rather have something faster. Try checking the dealer you got it from, or take my advise, sell it!!!
dvn
New member
No deer in NY?? Ha! You must be in the city. They are as common as squirrels upstate! My daughter and my sister each hit one within the last 2 months. As far as the "sell it" advice, you must have a 1.8 AT. I would sell that too.
You'll need to check with your insurance company but with State Farm hitting an animal is considered a comprehensive claim (sometimes called "Other Than Collision") and does not count against you. You need to act quickly, as the longer you wait the more likely it is that they will need to investigate.
BoG233
New member
I sorry but you are wrong about not being penalized I was informed by 2 different . That these animal VS. car accidents where my fault because it me putting my car in a situation that causes my car to be hit by animals . Both accidents involved deer 1 I hit 3 deer and the other the deer ran into my driver side door . the first company paid to have the car fixed and then raised my rates 15% . The second did not fix the car . They just totaled it . That act left me with out a car or them having to pay any thing at all . To make things clear on average I hit 3 to 6 deer a year I only try to claim on damage over 1000 dollar even thou my deductible is 500 . I see 30 to 40 deer a night I am quit good at dodging them . But even I can predic the thoughts of deer .
See the post above yours. YOU need to get a better insurance company. If you got penalized, it's because your insurance company sucks. Fl4kk states that State Farm doesn't count it against you, and neither does mine. My post said that SOME insurance companies don't penalize you for animal collisions, not ALL insurance companies don't. I would be calling around for quotes TODAY if I were you. So I am NOT wrong, thank you very much.
speedog
New member
1.8 AT - love mine. Drove the 1.4T and the 1.8 AT far better suited my daily commute in 65+km of regular stop and go traffic.No deer in NY?? Ha! You must be in the city. They are as common as squirrels upstate! My daughter and my sister each hit one within the last 2 months. As far as the "sell it" advice, you must have a 1.8 AT. I would sell that too.
Sonic Boomer
New member
Damn! You need to install a disintegration cannon on your Sonic, then you can play "asteroids" every night on the way home!
2FR35H
New member
I have Usaa, do you think they would be the type to not penalize for this type of situation?
yeah im a check with usaa i just don't want my rates going any higher.
Sonic Boomer
New member
I hope that Fl4kk will weigh back in on this, but while it may not be their policy to increase rates from a deer strike, I'm betting there is not an insurance company out there that would live with 3-6 claims every year without raising your rates one way or another. Maybe they would increase your rate under the category of frequent claims.
Papasonic
Active member
I have Country insurance. If I hit an animal, it is covered under my comprehensive insurance, on which I have a $100.00 deductable. Comprehensive coverage-
Covers your vehicle if stolen or accidentally damaged by any cause; such as fire, theft, vandalism, animal strikes, etc., that is not specifically excluded. It does not cover collision. If I hit another vehicle or some other stationary object, it would be covered by collision insurance. Collision coverage- Covers your vehicle if you should overturn or hit another vehicle or object.
According to my agent, I wouldn't be penalized for a comprehensive claim; but I didn't quiz him on a claims limit per year.
Hitting something with your vehicle obviously wouldn't be covered by your vehicle manufacturers warranty.
Covers your vehicle if stolen or accidentally damaged by any cause; such as fire, theft, vandalism, animal strikes, etc., that is not specifically excluded. It does not cover collision. If I hit another vehicle or some other stationary object, it would be covered by collision insurance. Collision coverage- Covers your vehicle if you should overturn or hit another vehicle or object.
According to my agent, I wouldn't be penalized for a comprehensive claim; but I didn't quiz him on a claims limit per year.
Hitting something with your vehicle obviously wouldn't be covered by your vehicle manufacturers warranty.
This is going to be BoG's problem. I'm sure he could find insurance that wouldn't penalize him for one or maybe two deer claims a year, but beyond that they would either drop him or raise his rates. But it still doesn't change the fact that there are insurance companies out there that won't raise your rate on your first animal claim.
