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Driving means encountering unexpected road hazards that can damage your vehicle in an instant. Whether you’re navigating the roads in or around Plainfield, IN, or elsewhere, understanding how your auto insurance responds to animal strikes and debris damage helps you make informed coverage decisions. Learn more from the professionals at Gill Insurance Advisors.
Comprehensive Coverage Is Your Best Friend
When you hit a deer, strike road debris, or encounter falling objects, comprehensive coverage typically handles the repair costs. This coverage protects against incidents beyond collision accidents, including animal strikes that happen more frequently than most drivers expect. Without comprehensive coverage, you’re paying out of pocket for potentially expensive repairs.
What Actually Gets Covered
Your insurance will cover damage from hitting animals ranging from deer and elk to smaller creatures like raccoons or birds. Road debris coverage includes items like fallen tree branches, rocks kicked up by other vehicles, or cargo that’s fallen from trucks. The key factor is that these incidents are generally considered unavoidable and beyond your control.
Filing Claims the Right Way
Document everything immediately after an animal or debris strike. Take photos of your vehicle damage and the scene if it’s safe to do so. Contact law enforcement if required by local regulations, especially for larger animal strikes. Report the claim to your insurance company promptly to start the repair process.
Making Smart Coverage Choices
Review your comprehensive deductible regularly to ensure it makes financial sense for your situation. Higher deductibles lower your premiums but increase out-of-pocket costs when filing claims.
Gill Insurance Advisors, serving Plainfield, IN and surrounding areas, can help you evaluate whether your current comprehensive coverage provides adequate protection for these common road hazards. Give us a call today.