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

As a responsible driver, it’s essential to understand the extent of your car insurance policy coverage. One question that often arises is whether or not NJM Insurance Group’s car insurance will cover damage caused by a deer or other wildlife. In this comprehensive article, we will explore the topic in exhaustive detail, addressing the types of coverage, what is covered under NJM policies, how to file a claim, tips for avoiding collisions, and costs.

Understanding Comprehensive Car Insurance Coverage

First and foremost, it is essential to understand the difference between comprehensive car insurance coverage and liability car insurance coverage. While liability coverage is required by law, comprehensive coverage is optional but highly recommended by insurance professionals. Comprehensive coverage provides coverage for damage to your vehicle caused by events other than a collision, such as theft, vandalism, severe weather conditions, and animal collisions, among others.

It is important to note that comprehensive coverage typically comes with a deductible, which is the amount you will have to pay out of pocket before your insurance coverage kicks in. The amount of the deductible can vary depending on your policy and insurance provider. Additionally, it is important to review your policy carefully to understand any exclusions or limitations on coverage, such as coverage for rental cars or reimbursement for personal belongings stolen from your vehicle. By understanding the details of your comprehensive coverage, you can ensure that you have the right level of protection for your vehicle and your peace of mind.

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What Is Covered Under Njm Insurance Group’S Comprehensive Car Insurance Policy?

Now that we understand the type of insurance coverage necessary let’s take a closer look at what is covered under an NJM Insurance Group’s comprehensive policy. NJM Insurance Group covers damage caused by wildlife under its comprehensive policy. This means if you hit a deer, moose, or even a bear, you are protected from any damage caused by the collision.

In addition to wildlife damage, NJM Insurance Group’s comprehensive policy also covers damage caused by natural disasters. This includes damage caused by hurricanes, tornadoes, floods, and earthquakes. If your car is damaged due to any of these natural disasters, NJM Insurance Group will cover the cost of repairs or replacement.

Furthermore, NJM Insurance Group’s comprehensive policy also covers theft and vandalism. If your car is stolen or vandalized, you can file a claim with NJM Insurance Group and they will cover the cost of repairs or replacement. This provides peace of mind knowing that you are protected from unexpected events that can cause damage to your car.

How Does Njm Insurance Group Define “Wildlife” For Car Insurance Purposes?

NJM Insurance Group defines wildlife as any living creature that is not a human or domestic animal. This broad definition includes animals such as deer, moose, bears, wild boar, and any other animals that pose a risk of collision on roads.

It is important to note that NJM Insurance Group’s definition of wildlife may vary from other insurance companies. Some companies may have a narrower definition that only includes certain types of animals, while others may have a broader definition that includes insects and birds. It is always best to check with your insurance provider to understand their specific definition of wildlife and how it may impact your coverage.

What Types Of Damage Caused By Wildlife Are Covered By Njm Insurance Group’S Car Insurance?

Damage caused by wildlife can be incredibly extensive and costly. NJM Insurance Group understands the need for comprehensive coverage in these situations. The following damages are covered under NJM’s car insurance policy:

• Broken headlights or taillights
• Body damage such as dents, scratches, or broken windows
• Damage to tires and wheels
• Cost of renting a car if your vehicle is in the repair shop

It’s important to note that NJM Insurance Group’s car insurance policy also covers damage caused by a wide range of wildlife, including deer, raccoons, squirrels, and birds. This coverage extends to both collision and comprehensive coverage, ensuring that you’re protected no matter what type of damage occurs.

In addition to covering the cost of repairs, NJM Insurance Group’s car insurance policy also includes coverage for any injuries sustained as a result of a wildlife-related accident. This includes medical expenses, lost wages, and other related costs, providing you with peace of mind and financial protection in the event of an accident.

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What Types Of Damage Caused By Wildlife Are Not Covered By Njm Insurance Group’S Car Insurance?

While NJM Insurance Group covers damages caused by wildlife collisions, there are a few exceptions, and not every type of damage is covered. For example:

• If you swerve to avoid the animal, and in doing so, you collide with a tree or other obstacle, this type of damage is not covered by the policy.
• If you hit a domesticated animal, this damage is not covered under the wildlife definition. Therefore it will not be covered under the comprehensive policy.

It is important to note that NJM Insurance Group’s car insurance also does not cover damages caused by rodents, insects, or birds. These types of damages are considered to be caused by wear and tear, and are not covered under the comprehensive policy. Additionally, if the damage is caused by intentional or criminal acts, such as feeding wildlife or intentionally hitting an animal, it will not be covered by the policy.

How To File A Claim With Njm Insurance Group For Wildlife-Related Damage To Your Vehicle

If you experience wildlife-related damage to your vehicle, it is crucial to contact NJM Insurance Group immediately. The claims process is simple and requires the following steps:

1. Call NJM’s auto claims hotline at 1-800-367-6607.
2. Provide all the necessary information, such as your policy number, the date and time of the accident, the location of the accident, and the extent of the damage incurred.
3. NJM will appoint a claims adjuster, who will assess the damage and explain the next steps required to fix your vehicle.
4. If your vehicle is safe to drive, you will be allowed to continue to use it until it can be repaired. If it is not safe, NJM will arrange for a rental car for you until repairs are completed.

It is important to note that NJM Insurance Group covers a wide range of wildlife-related damages, including collisions with deer, birds, and other animals. However, it is essential to check your policy to ensure that you have the necessary coverage for such incidents.

Additionally, NJM Insurance Group offers a variety of discounts and benefits to policyholders who have not filed any claims in the past. These benefits include lower premiums, accident forgiveness, and safe driver discounts. Therefore, it is advisable to maintain a clean driving record to take advantage of these benefits.

Tips For Avoiding Collisions With Deer And Other Wildlife While Driving

While NJM Insurance Group’s coverage is extensive when it comes to wildlife-related accidents, it’s always better to avoid a collision in the first place. Here are some tips for safe driving during wildlife migration and mating season:

• Be vigilant when driving through areas where deer and other wild animals are known to cross roads.
• Drive with your headlights on, even in the daytime, to increase your visibility.
• Drive defensively, especially at night and in low light conditions when visibility is limited.
• If you spot an animal in close proximity, reduce your speed and beep the horn to scare it away.
• Never swerve to avoid hitting an animal. Instead, try to brake firmly and stay in control of the vehicle.

It’s important to note that wildlife migration and mating season can vary depending on the region and the species of animal. Research the specific area you will be driving through and the animals that inhabit it to better prepare yourself for potential encounters.

Additionally, if you do hit an animal while driving, it’s important to stay calm and assess the situation. If the animal is still alive, do not approach it as it may be injured and could become aggressive. Instead, call local authorities or a wildlife rehabilitation center for assistance.

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The Cost Of Adding Comprehensive Coverage To Your Njm Insurance Group Policy

The cost of adding comprehensive coverage to your NJM Insurance Group policy depends on a wide range of factors, such as your driving record, location, and car model. On average, comprehensive coverage costs about $170 per year, although this price can vary significantly based on your specific situation.

One of the factors that can affect the cost of adding comprehensive coverage to your NJM Insurance Group policy is the deductible you choose. A higher deductible can lower your premium, but it also means you’ll have to pay more out of pocket if you need to make a claim.

Another factor that can impact the cost of comprehensive coverage is the level of coverage you choose. For example, if you opt for a policy that includes additional benefits such as roadside assistance or rental car coverage, your premium may be higher than a basic comprehensive policy.

Comparing Njm Insurance Group’S Coverage For Wildlife-Related Damage To Other Insurers

Finally, it is essential to note that NJM Insurance Group’s coverage for wildlife-related damage is comparable to most other insurers in the market. However, the cost of adding comprehensive coverage to your policy can vary significantly from insurer to insurer, so it’s crucial to compare your options carefully.

It’s also worth noting that some insurers may have specific exclusions or limitations on coverage for wildlife-related damage. For example, some policies may only cover damage caused by certain types of animals or may not cover damage to certain types of property. It’s important to review the details of your policy carefully to ensure that you have the coverage you need.

Additionally, some insurers may offer additional services or resources to help prevent wildlife-related damage. For example, some companies may offer tips on how to make your property less attractive to wildlife or may provide assistance with removing animals that have caused damage. These additional services can be valuable for homeowners who live in areas with high wildlife activity.

Conclusion

As we have seen in this comprehensive article, NJM Insurance Group’s car insurance policy covers damage caused by wildlife, including deer and other animals. Comprehensive coverage provides an important safety net for any unexpected collisions and can help you avoid costly repairs in the future. Just remember always to drive carefully and take extra precautions during wildlife migration and mating seasons when collisions are more common.

It is important to note that while comprehensive coverage does cover damage caused by wildlife, it does not cover damage caused by domestic animals such as dogs or cats. In addition, it is always a good idea to check with your insurance provider to see if there are any specific exclusions or limitations to your policy.

Finally, it is worth mentioning that NJM Insurance Group offers a range of other insurance products, including homeowners, renters, and umbrella insurance. By bundling your policies with NJM, you may be able to save money on your overall insurance costs while still getting the coverage you need.

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