Does Mercury Insurance car insurance cover damage caused by a deer or other wildlife?

Many drivers are caught off guard by animal-related accidents while on the road. Whether it’s a deer, a raccoon, or any other type of wildlife, these collisions can cause a significant amount of damage to a car. As a result, drivers may wonder if their car insurance policy, specifically comprehensive coverage, includes protection for such incidents. In this article, we’ll take an in-depth look at Mercury Insurance and answer the question – does Mercury Insurance car insurance cover damage caused by a deer or other wildlife?

Understanding Comprehensive Coverage In Car Insurance

Before we dive into the details of Mercury Insurance’s wildlife-related damage coverage, let’s discuss comprehensive coverage. Comprehensive coverage is a type of car insurance that provides protection against damages caused by incidents other than collisions. Some examples of covered incidents include theft, vandalism, fire, and weather-related damage. Wildlife-related damage falls under this category as well; therefore, drivers who have comprehensive coverage in their car insurance policy can claim for coverage.

It’s important to note that comprehensive coverage is not mandatory in most states, unlike liability coverage. However, it can be a valuable addition to your car insurance policy, especially if you live in an area prone to natural disasters or have a high risk of theft or vandalism. Additionally, comprehensive coverage can provide peace of mind knowing that you are protected against a wide range of potential damages.

When purchasing comprehensive coverage, it’s essential to understand the deductible, which is the amount you pay out of pocket before your insurance coverage kicks in. A higher deductible can lower your monthly premium, but it also means you’ll have to pay more out of pocket if you need to file a claim. On the other hand, a lower deductible means a higher monthly premium, but you’ll pay less out of pocket if you need to use your coverage.

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Common Types Of Wildlife-Related Damages Covered By Mercury Insurance

Mercury Insurance provides coverage for various types of wildlife-related damages. Some common examples include:

• Damage caused by hitting an animal with your car
• Animal-related damage to other parts of your car, such as the windshield, bumpers, or headlights
• Damages caused by an animal that jumped onto or fell onto your car

It’s essential to note that Mercury Insurance’s coverage may vary depending on the state. Therefore, it’s best to contact your Mercury Insurance agent to inquire about the coverage available in your region.

In addition to the damages mentioned above, Mercury Insurance also covers damages caused by animals to your property, such as your home or fence. This coverage includes damages caused by wild animals, such as raccoons, squirrels, and birds.

Furthermore, Mercury Insurance offers coverage for injuries sustained by you or your passengers due to an animal-related accident. This coverage includes medical expenses, lost wages, and other related expenses.

Factors That Affect Coverage For Animal-Related Damage

Several factors affect Mercury Insurance’s coverage for animal-related damages. These factors include:

• The policyholder’s current insurance coverage
• The location where the damage occurred
• The type of animal involved in the accident
• The severity of the damages caused
• The policyholder’s deductible amount

One additional factor that can affect coverage for animal-related damage is whether the policyholder was at fault for the accident. If the policyholder was found to be negligent or reckless in their actions leading up to the incident, their coverage may be reduced or denied altogether.

Another factor that can impact coverage is the specific type of damage caused by the animal. For example, if a wild animal causes damage to a vehicle, coverage may be different than if a domesticated animal causes damage to a home. It’s important for policyholders to review their coverage and understand what types of animal-related damages are covered under their policy.

How To File A Claim For Wildlife Damage With Mercury Insurance

If you’re involved in an animal-related accident, it’s necessary to notify Mercury Insurance as soon as possible. You can do this by contacting your agent or calling Mercury Insurance’s claims department. They’ll ask you to provide them with the following information:

• Your policy number
• The date and time of the accident
• The location of the accident
• The type of animal involved

After gathering this information, Mercury Insurance’s representative will guide you on the next steps. They’ll ask you to provide them with photos of the damages, and in some cases, send an adjuster to assess the damages.

It’s important to note that not all wildlife damage is covered by Mercury Insurance. For example, damage caused by rodents or insects may not be covered. Additionally, if the accident was caused by your own negligence, such as hitting an animal while driving under the influence, your claim may be denied. It’s always best to review your policy and speak with your agent to understand what types of wildlife damage are covered under your policy.

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Tips To Avoid Wildlife Collisions While Driving

Prevention is always better than a cure. Here are some tips to help you avoid wildlife collisions while driving:

• Be alert and mindful of your surroundings while driving, especially in areas with higher wildlife activity.
• Reduce your speed while driving at night or in areas known for having higher animal activity such as forests or near water bodies.
• Use your high beams in dark areas to increase visibility and spot animals from afar.
• Don’t swerve or make sudden movements if you spot an animal; instead, brake and stay in your lane.

However, even if you follow all the above tips, wildlife collisions can still happen. In such cases, it’s important to know what to do. Firstly, pull over to a safe spot and turn on your hazard lights. Check yourself and your passengers for injuries and call emergency services if necessary. If the animal is still alive, do not approach it as it may be injured and could attack. Instead, call animal control or the local authorities to handle the situation.

It’s also important to note that collisions with certain animals can be more dangerous than others. For example, hitting a moose or a deer can cause significant damage to your vehicle and can even be fatal. Therefore, it’s important to be extra cautious in areas where these animals are known to be present and to follow any warning signs or speed limits posted in those areas.

Other Insurance Options To Consider For Comprehensive Wildlife Coverage

Although Mercury insurance provides coverage for animal-related damages, it’s essential to note that not all insurance policies do. Therefore, if you’re living in an area with higher wildlife activity, it’s advisable to opt for comprehensive insurance coverage or even consider additional policies such as those available from local farmers associations or conservation organizations.

Comprehensive insurance coverage typically includes protection against a broader range of risks, including natural disasters, theft, and vandalism. This type of coverage can be especially beneficial for homeowners living in areas prone to wildfires, hurricanes, or other severe weather events that can cause significant damage to property.

Additionally, some conservation organizations offer specialized insurance policies that cater to specific types of wildlife. For example, if you live in an area with a high population of deer, you may be able to find an insurance policy that covers damages caused by deer collisions. These policies can provide added peace of mind and protection for homeowners who want to ensure they’re fully covered in the event of an animal-related incident.

What To Do If You Hit A Deer Or Other Animal While Driving

If you hit a deer or any other animal while driving, there are several measures you should take:

• Stop your car in a safe location, away from the roadway if possible.
• Check yourself and your passengers for injuries. Seek medical attention if necessary.
• Call the police or local authorities to report the accident.
• Contact your insurance company and follow their instructions for filing a claim.
• Take pictures of the accident, including the animal involved and any damages to your car.
• Be cautious when approaching the animal. Injured animals can be aggressive and pose a risk of harm.

After you have taken the necessary safety precautions, it is important to consider the welfare of the animal. If the animal is still alive, do not attempt to move it or touch it. Instead, contact a local wildlife rehabilitation center or animal control agency for assistance. They will be able to provide the necessary care and treatment for the animal.

It is also important to note that hitting an animal can be a traumatic experience for drivers and passengers. If you are feeling overwhelmed or distressed, seek support from friends, family, or a mental health professional. It is important to prioritize your emotional well-being in the aftermath of an accident.

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Mercury Insurance’S Process For Assessing And Repairing Animal-Related Damage

After filing a claim for animal-related damages with Mercury Insurance, an adjuster will review the claim and assess the damages caused to your car. They’ll provide you with an estimate of the costs involved in repairing your car. In most cases, Mercury Insurance will work with pre-approved repair shops to ensure that your car is repaired correctly and quickly.

If the damage caused by the animal is severe, Mercury Insurance may send an appraiser to inspect your car. The appraiser will determine if the car is repairable or if it’s a total loss. If the car is repairable, the appraiser will provide an estimate of the costs involved in repairing the car. If the car is a total loss, Mercury Insurance will provide you with a settlement based on the actual cash value of the car at the time of the accident.

Frequently Asked Questions About Mercury Insurance And Wildlife Damage Coverage

Can I get a rental car while my car is being repaired?

Yes, Mercury Insurance provides rental car coverage while your car is being repaired following an animal-related accident.

Do I have to pay a deductible for animal-related damages?

Yes, as with any other type of comprehensive coverage, policyholders are responsible for paying their deductible amount when filing a claim for animal-related damages.

Is there any way to lower my insurance premium rates for my comprehensive coverage?

Yes, several factors determine insurance premium rates, including age, driving history, and location. However, selecting a higher deductible amount can lower your insurance premium rates.

Overall, Mercury Insurance provides coverage for animal-related damages caused to your car under comprehensive coverage. However, the coverage amount and available options may vary by state. Therefore, it’s best to contact your agent to inquire about the coverage available in your region. Always practice safe driving habits and take precautionary measures when driving in areas with higher wildlife activity to avoid animal-related accidents.

It’s important to note that not all animal-related damages are covered under comprehensive coverage. For example, damages caused by domestic animals, such as a pet dog or cat, may not be covered. Additionally, damages caused by hitting an animal while driving may be covered under collision coverage instead of comprehensive coverage. It’s important to review your policy and speak with your agent to fully understand your coverage options and limitations.

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