This isn't much of an issue for me in California but I've heard a lot of stories of people hitting deers (CBD, etc)


Deer accidents are often not covered:
Insurers in states with high rates of deer-vehicle crashes are trying to get the word out this winter: Check your auto policy.

http://www.usatoday.com/money/autos/2007-01-03-deer-insure-usat_x.htm

I would hope that all the 8 owners still have comprehensive.

I'm covered! Thank goodness! Around here we dodge bulls, sheep, buffalo, elk, and lots of wild pigs! Who needs a gun when you have a really large truck!

umm comprehensive should cover natural events and hitting a deer counts sounds like they didnt have enough insurance, thats their own damned faults..

^huh? That hand injury must be affecting your reading comprehension . . .

:lol2:

The article is saying that comprehensive is what covers hitting a deer. People think they are covered if they just have collision, but collision doesn't cover crashes involving fur covered, delicious deer.

Can....Not.... resist......

How many Aggies does it take to eat an armadillo?

Two

One does the eating, and one watches for oncoming cars...

^They aren't that smart!

^huh? That hand injury must be affecting your reading comprehension . . .

:lol2:

The article is saying that comprehensive is what covers hitting a deer. People think they are covered if they just have collision, but collision doesn't cover crashes involving fur covered, delicious deer.
yeah that was my point lol. people who want full coverage should opt for comprehensive.

ah. so sorry.

In thinking you were confused it would seem that I was confused. Guess there's a first time for everything . . . :cwm27:

I've nothing to worry about here except illegal immigrants and tumbleweeds!

I had a dog run into me once.. It was counted as comprehensive.

My control arms were bent going over a pothole.. that was considered collision.

This isn't much of an issue for me in California but I've heard a lot of stories of people hitting deers (CBD, etc)Yeah, two deer and a bear, thanks. My wife hit two deer too. Side note - we managed to get through all of 2006 with no crash damage to any car. Woot!
Deer accidents are often not covered:
Insurers in states with high rates of deer-vehicle crashes are trying to get the word out this winter: Check your auto policy.

http://www.usatoday.com/money/autos/2007-01-03-deer-insure-usat_x.htmYeah - you gotta have comprehensive. Of course, if you care about the value of your car comprehensive is what you have because that's the *real* insurance protecting your investment (it's a personal pet peeve of mine to call liability insurance "auto insurance" because that protect other people and I think insurance I pay for should protect me). Collision is close to "real" insurance in my book, but doesn't protect against several big things - theft, vandalism, fire, etc, etc and, by the way, certain types of "collisions".

On the up-side, New York, and, I suspect, many other states, specifically prohibit insurance companies from penalizing drivers for animal-accidents. We made 3 claims for animal-collisions in 4 years and never saw rates go up or our driving status change. The auto insurance company had to pretend it didn't happen (except for paying the claim). Nice state consumer-protection law. :rock:

I'm pretty sure they do that because animals are totally unpredictable and you can't tell what they are going to do. They are pretty hard to avoid if they coming running out at you. I hit some random small furry thing on the way home from work Wedneday. I think it was an opposum, but it darted out in front of me at the last second, so I didn't hardly see anything, just heard a thump. I can't find any damage to my car (even crawled under it), except a little bit of fur on the inside edge on the tire tread. :dunno: The majority of the "accidents" had in my family are animal related or broken windshields or flying rocks, which is all under comprehensive. I can't imagine someone not taking out comprehensive.

Opposums can "dart"??

Opposums can "dart"??Yeah, too bad for them. :(

What they *can't* do is choose wisely. Dart *away* from the lights large, sharp-toothed rat. It really is more of a short burst of a scurry, but it's been enough for me to get a thump-thump once or twice too.

We must be the only species that does teach our young not to dart into the street. All the others must think it's funny. I think just about every other species of North American wildlife has tried to get in front of one of my vehicles at least once (except moose and I do watch really carefully for moose).

Hit a drunk guy on 6th street in Austin in my truck...he ran right into the road...hit him at like 20 mph and he just rolled got back up like a confused animal and ran off into the bar he just came out of ....hilarious..reported it to the police....he never went to the hospital

Hit a drunk guy on 6th street in Austin in my truck...he ran right into the road...hit him at like 20 mph and he just rolled got back up like a confused animal and ran off into the bar he just came out of ....hilarious..reported it to the police....he never went to the hospitalDid he "dart" out in front of you? We might need to redraw that boundary between higher and lower life-forms. :cwm27:

WOW! I just read that article and look at this wonderful "Deer Tip"

If the deer might still be alive, don't go near it because a wild animal with sharp hooves can inflict injuries.

WOW! I just read that article and look at this wonderful "Deer Tip"Yeah, don't go near them, even if they look dead. I had to work hard to resist the urge to jump down in the ditch and kick the doe that wrecked my 5-week-old-brand-new-RX-8. Boy, I would have kicked her until one of us was dead.

Some months after my accident I saw a car stopped further up the same country road. He was facing the opposite way, no flashers, just stopped with headlights on (it was dark). Then a couple hundred feet further up my headlights reached the shape of a deer laying on the shoulder with its legs kinda tucked under it, but head up and ears alert. Then it clicked, I told the kids, "hold on, I think that guy hit that deer. We'd better see if he needs help."

So, I pulled a u-turn and headed back. I went cautiously around the deer giving it a lot of space just in case it was only stunned and suddenly jumped up and darted in front of me. I found the guy walking from his SUV towards the deer about half-way. I pulled up and put my window down and asked if he needed help. "Nope," he says, "I didn't hit it, but someone hit that deer. I'm going to see if I can do anything for it, maybe put it out of its misery." Now that seemed like a bad idea. Go near an injured 200lb animal crazy with pain and fear probably blitzed on adrenaline? No thanks. I asked him, "Are you sure you want to get near it? Do you have a gun you can just pop it with?"

"No, no gun, I'm just going to see what I can do."

"Alright," I told him while thinking to myself, 'GFL buddy, I got more sense than that'. So, we exchange a polite goodbye and I pulled another u-turn and proceeded. I hope he didn't end up like that hunter whose wife videotaped the deer reared up kicking with its forelegs.

This reminds me of a story my dad told me. When he was in his 20s he was with some friends in a Volkswagen (old bug). They hit a deer and decided since it wasn't moving and didn't seem to be breathing they were going to take it home and clean it up and see if any of it was salvagable. Well, they decided to stop at a bar on the way home. So, they are in bar and the "dead" deer is in the backseat of the car. An hour or so later they got back in their car to go home. Partway home the deer came back to life and started kicking and thrashing around inside this little car. :rofl:

The lesson here is, make sure it is REALLY dead before you go stuffing it inside your car. :)

This reminds me of a story my dad told me. When he was in his 20s he was with some friends in a Volkswagen (old bug). They hit a deer and decided since it wasn't moving and didn't seem to be breathing they were going to take it home and clean it up and see if any of it was salvagable. Well, they decided to stop at a bar on the way home. So, they are in bar and the "dead" deer is in the backseat of the car. An hour or so later they got back in their car to go home. Partway home the deer came back to life and started kicking and thrashing around inside this little car. :rofl:

The lesson here is, make sure it is REALLY dead before you go stuffing it inside your car. :)

I know someone that put a so called dead aligator in their trunk to take it home and skin it out. When they opened the trunk, out it came. It owned the whole back yard till a neighbor woke up and came over to see what the comotion was. He shot the gator for them. Lucky for them, he only shot the gator.

Hit a deer once in the 97 Tbird when it was about a month old. Dropped it off and insurance covered it no problemo. On the way home from the body shop, I hit another. Ouch. Insurance agent laughed, but covered it again, no problemo. About a year later I hit the 3rd deer. Once again, insurance covered it, no questions asked.

Just after that I moved from NC to Texas. Never hit another deer. Twice on US 75 I've had road debris thrwon up by the car in front of me - both times took out the hood among other things. 5 hoods and 4 windshields later I finally dropped collision & comp, and nothing has happened since.

Hit a deer once in the 97 Tbird when it was about a month old. Dropped it off and insurance covered it no problemo. On the way home from the body shop, I hit another..Ouch - talk about insult added to injury (and re-injury). I thought it was ironic that the tow truck which came to take my deer-damaged RX-8 to the dealer hit a deer on the way to my house. Of course, being a massive flat-bed there wasn't even a mark, just a lot of deer hair. Funny thing was the deer flipped up and lay on the flatbed. Scared the daylights out of the driver when he checked his blind-spot somewhat later and saw the deer since at first he didn't know it was dead.

Cool-blue - I figured you'd enjoy this..

A freind of mine was on his way in a Chevy Astro van and hit a deer. Called the HP to file a claim. The officer looked down at the deer carcas and asked what the shiny thing broken off in his ear was; and my freind replied " looks like the deer whistle from my bumper"... :)

I was at the auto-parts store (First time actually spending more than 2 moments in there), looking around I seen a "Deer Alert" Does anyone know if these products actually work well or if it's best to torch the money?

They are basically little whistling devices that are real high frequency. We can't hear them but the deer go nuts. I assume they work. When I was in Iowa, I saw them on many cars. Just do a better job than most of installing them. Actually hide them behind the grille. I've seen several where people just had them bolted on in plain sight and they don't need to be. They just need to have oncoming air going to them.

thought the whistlers had to have it in plain sight of the road?

I ran over a newly hit deer carcass, coming around a bend in my mustang. Lucky for me his legs were facing the opposite direction or he might have gotten stuck under my car. No damage, not even to the bumper, just a lot of fur underneath when I took it to the dealer to be checked.

I'm grateful I don't have to deal with this where I live. ***knocks on wood***

why would you need comprehensive coverage? if you hit a deer that would be covered under collision (since your vehicle was moving). Comp is for when your car gets damaged while parked.

A guy on another board I'm on hit a coyote in the middle of winter once. What was funny was that he had his camera and a passenger with him, so they took a pic. The picture shows him standing with one foot on the dead coyote and next to him his dark color car with a perfect imprint of the coyote's head in the salt. The imprint was so perfect you'd swear he did himself, if not for the cracked air dam.

What's a deer? I've lived in CA all my life and never seen one... Are they scary?

LOL. That's how my pops 88(?) RX-7 was totaled. He was driving home from Albany was the deer jumped in front of his car. The car was covered in blood but noone was hurt. Did you know that once you hit a deer, you can legally take him home to eat or mount? That's what the state police offered him to do lol. Hmmmm tenderised deer marinated with motor oil and broken shards of glass.

why would you need comprehensive coverage? if you hit a deer that would be covered under collision (since your vehicle was moving). Comp is for when your car gets damaged while parked.

Check the article in the original post. Hitting debris on the road (like a chunk of retread) is covered by comprehensive. Sounds like they consider deer to be debris.

This may vary from state to state, but...

If your car is parked and someone hits it with a baseball bat, it's covered by comprehensive. If another car runs into it, it's collision. If your collision deductable is higher than your comprehensive deductable, and you didn't see what happened, insurance companies will assume another car.

Glass is covered by comprehensive - we all know how that works with flying debris, etc. If you crash your car, the bodywork will be covered under collision. But sometimes the broken glass will be covered under comprehensive.

If this does not make sense, remember that we're dealing with insurance companies here. :banghead:

Ken