Animal Collision And Car Insurance Montana MT
Reader’s Question:
I ran into an animal in a highway in Montana, and my car sustained some minor damages. Will my car insurance shoulder the repairs for my car?
Wilson
Billings, MT
Your current Montana car insurance may assist you financially and may reimburse repairs cost if you have the comprehensive and collision coverage in your policy at the time of the accident. This insurance not only covers for repairs following an accident where the other driver wrecks your car but it will also pay if your car sustained damages due to hurricanes, falling tree branch, or collision with animals. However, if you did not avail of this insurance, then you will have to foot the bill for all the damages.
If you decide to go ahead with the claim since you have the collision and comprehensive coverage anyway, bear in mind that this claim will be on your insurance record permanently and may cause your car insurance premiums to increase in the future. So if you are able to shoulder the expenses incurred without too much difficulty, then it is better to not file this claim to pay for the minor damages to your car.
And always remember to practice safe driving. Animal, especially deer, collision in the United States amount to fifteen percent of claims filed against car insurance companies. Thirteen thousand Americans have been injured and some resulted in deaths. Be especially careful during the months of November as it has been observed that deer collisions increase during this month.
Tags: auto insurance claims, auto insurance coverage, auto insurance premium, collision insurance coverage, comprehensive insurance coverage