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MSAD
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You have to file a claim to get paid by the insurance company.
If you want to replace the car at your own expense and not get any money from the insurance company you can do that. But you can't get paid by the insurance company with out filing a claim.
As long as you had comp coverage on your car on the date of loss and the policy was in effect, you should be fine.
Your agent will be able to give you an idea how a claim will affect your rates. |
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danny t
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was it an old dear? |
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Allen B
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Depends if you are fully comp ?
Suggest you rephrase for your insurance company..........
" A deer came from no where and it hit the front of my care" |
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Luna & Lawnboy
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As long as you have comprehensive coverage and not just collision coverage. They will pay you less your deductible. |
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entidtil
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I hope you hit a deer and not a dear.
Hitting a DEER is covered under your comprehensive coverage (if you have a comprehensive deductible, that will apply) Your rates should not go up for filing a "comp" claim. I hope you called the police when this happened. It makes it easier when you notify the insurance company which you should do ASAP
I have a big problem with those who suggest not using your insurance and not filing a claim simply because your rates may go up. Why have insurance at all if you won't use it? Do the math. If repairs will cost $1000.00 and the insurance company pays the $1,000.00 but raises your rates , say $100.00 per year, for 2-3 years, why would anyone not use the insurance they bought and paid for? |
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waspy
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I hit a deer in my car and my insurance paid for repairs, i reported it to the police but they said i wasn't legally bound to. As deer belong to the Queen you could, in theory try claiming against her. My insurance company told me that but didn't recommend i try to sue the Queen of England. |
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philip_g_marshall2003
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I'm sure they will if you are fully comp, but you would lose your no claims bonus (or some of it).
For info, motorists are always advised to hit an animal in the road rather than make a manuver it avoid it. |
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mole
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Yes , if you are fully comp . You may lose your no claims bonus though . |
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doc_holliday1863
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Yes just tell your insurance company up front what has happened. A Deer is considered to be a self propeled vehicle that came at you from out of no where most times.
I had driven tractor trailers for quite a umber of years and our companies would never charge us with an acident when this would accour and insurance companies are the same.
Good luck |
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mezzie
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You can claim but you will lose your no claims bonus. You should consider hiring a car for a week or two while yours is sorted instead of claiming on insurance. |
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bustersmycat
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Well, that depends. In most places the law requires reporting the incident if it involves a certain minimum amount of damage, makes the car unfit to drive, or if there is an injury.
That said, I got paid off by my insurance after I hit a deer in Pennsylvania and didn't report it (I live in Canada and was just going to visit some people). The agent told me that I should have reported the accident however. I think they considered refusing but in the end paid up. |
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Misty M
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It depends on what type of insurance you have. If it's just the basic PIP and Liability, then no it won't cover it.
Oh and by the way, you spell it "deer". |
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TOM
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what insurance company ??? and how is the deer |
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oklatom
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Dear. Term of endearment.
Deer. 4 legged animal. To be more specific: Any of various hoofed ruminant mammals of the family Cervidae, characteristically having deciduous antlers borne chiefly by the males.
If you don't tell them, they won't. If you do tell them they will assuming you have collision coverage. |
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