wildhit.jpgThis type of Auto insurance policy is the only one that offers coverage by damages caused by animals or even other natural disasters asides from the standard coverage scope. Areas of the America’s that have regular wildlife visitors (deer, bears, raccoons and other similar visitors) often have vehicles sustain damage when drivers either hit or the animals hit them. These worst case scenarios happen when the deer jump over the vehicle and the driver is at high speed, with the deer always on the loosing end for the passengers usually have seatbelts and airbags. From an average of $3,000 to $5,000 for repairs, it is quite expensive and experts say that one out of 10 cases renders the car irreparable.

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deerhit.jpgDuring the times when deer experience thoughts of fancy and are in love, auto body shops have the highest cases of requests for deer hits which become quite common in the season. Well, considering there are any deer in your area such as in the high mountains or near natural deer habitat that have them protected. Insurance companies being ever diligent in proving such incidents often want to see the blood and guts that are left making the repair quite gruesome and dirty. From pictures of the actual hit with the animal still lodged in the vehicle(if possible) they’ll take pictures of it to ensure their company is paying for the real deal (fraud is also possible with such incidents). Staged hits have been reported and some have been caught using previously killed/hunted deer as props poor deer).

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