At Moon – Baker Insurance Agency Inc. our team routinely receives calls from clients who have had trouble with animal collisions. In this area of Oklahoma, it is not uncommon to have deer or other animals dash out in front of you while you are driving down the street. Nevertheless, it is critical to stop the vehicle, make sure you are safe and uninjured, and then to call your insurance agent for help.
Will Your Policy Cover Animal Damage?
This depends on the type of auto insurance you have. If you have comprehensive auto insurance, you likely have at least some level of protection for these types of claims. Of course, each policy is different and you should verify the details of your plan and any exclusions it has first.
Comprehensive coverage may help you to recover the losses you face after a collision with animals. If your vehicle lost a mirror or perhaps needs a new windshield, you may be able to file a claim with your insurance agent to cover the losses. In some situations, the damage is significant. A single deer collision, for example, can cause damage to multiple areas of the car leading to thousands of dollars of loss. Your policy will have a maximum per accident claim limit. Most plans will cover damage up to that limit. You will also have to pay your deductible before insurance coverage applies.
How Can Our Agents Help You?
If you do not have the right type of auto insurance, don’t wait any longer to get it. Call our agents at Moon – Baker Insurance Agency Inc. to obtain a quote for your specific need. We serve residents in and around the Ada, OK area and provide competitive rates and a wide range of auto insurance plans.