Animal Collision Coverage
Animal Collision Coverage is a type of insurance that protects against damage to your vehicle caused by colliding with an animal, such as deer, moose, or other wildlife.
Example #1
For example, if a deer runs onto the road and you collide with it, causing damage to your car, Animal Collision Coverage would help cover the cost of repairs.
Example #2
Another example could be hitting a wild turkey crossing the highway, resulting in damage to your vehicle. Animal Collision Coverage would assist in paying for the necessary repairs.
Misuse
Misuse of Animal Collision Coverage could involve attempting to claim damage caused by hitting a domestic animal, such as a pet dog or cat. This is important to guard against because coverage is typically for wild animals, not pets, to prevent fraudulent claims and maintain the integrity of the insurance system.
Benefits
The benefit of Animal Collision Coverage is that it provides financial protection in situations where colliding with wildlife results in damage to your vehicle, saving you from bearing the full cost of repairs out of pocket.
Conclusion
Animal Collision Coverage is a valuable aspect of insurance that offers a safety net in case of accidents involving wildlife. It's essential to understand the coverage limits and terms to ensure you are adequately protected.