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Unusual dangers in your morning commute: will your insurance cover this?



How's the morning going on you? This commuter encountered an unusual danger, a unique example of road event, with the Nissan Pathfinder coming out on the losing side.

This clip is dramatically evidence of the size of an American bison relative to a car – quite formidable. Below is a clip of an Alaskan elk that winds its way down the highway to give you a dramatic perspective.

Animal and vehicle collisions are quite common, and while rising in October to December, they can occur at any time of the year. State Farm traces wilderness collisions, reports in October 2018:

The 16th annual collision survey with the State Animal Protection Vehicles has some good news. Everywhere in the United States, the driver was less likely – one in 167 – to have a crash that involved a collision with deer, moose, moose or caribou. Last year's survey put the chance to one of 162. It is estimated that deer, moose, moose and Caribbean collisions dropped slightly to 1.33 million in the US between July 1, 2017 and June 30, 2018 – from 1.34 million in 2017. And, This is despite the fact that there are almost four million more licensed drivers.

These odds are roughly the same as being revised by the IRS (1 in 175), so when you think about it, it is worth thinking about how you would react to this danger in a driving situation.

The insurance institute for motorway safety traces fatal accidents at animal crash and marks 211 in 2017. They contain a breakdown per state.

If you see a deer on the road, should you swing or not? Here are some advice from safety expert Mike Winterle, who recommends you not to swing.

"The main cause of accidents, injuries and deaths from debris-related accidents is when vehicles swear in an attempt to avoid hitting a deer. Stapling can cause vehicles to move to incoming traffic, crash into trees and other objects, or The evening rolls over, while it may be against a driver's first instinct, providing the safest thing as much as possible and allowing your vehicle to hit the deer.The instincts tell us to avoid obstacles in the way, but if you can train yourself not to swing to avoid deer on the road you will keep yourself, your passengers and other drivers much safer. "

Here are some other great tips:

AAA: Wildlife Crossing: Tips to Avoid Animal Impacts
Insurance Information Institutes : Avoid a Deer Collision

Does the Insurance Collision Protect For Animal Vehicles?

Should the damage caused by Nissan Pathfinder be covered by their car insurance? It depends on whether they have extensive, which is an optional not a mandatory coverage. See Insurance Information Institute: Cars and Deer – A Risky Combination; Consider including comprehensive coverage of your auto policy

Damage caused by an accident involving deer or other animals is covered by an optional total portion (not the collision part) of a car insurance. Extensive car insurance includes coverage for: fire, theft, vandalism or harmful damage, riot, flood, earthquake or explosion, hail, windstorm, falling or flying objects, damage due to contact with a bird or an animal and sometimes depending on policy, wind protection damage .

Do you need extensive insurance? It probably depends on many factors such as your car's age and how much you depend on your vehicle. Can you afford to repair or replace it if you have a collision with moose or damage from weather-related hazards or human-generated vandalism? Your independent insurance agent can get you a quote and help you think through such scenarios to assess the cost allocation in your particular situation.


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