Is Your Car Insured Against Animal Damage?

With domestic cats sneaking through the streets and roaming the country lanes, it’s no surprise that beating an animal with your car can be real. Worry about some drivers. In fact, there are up to 74,000 deer-related car accidents each year.

If you are not lucky enough to have a collision with an animal, do you know what to do? And if this damages your car, can you apply for insurance?

Watch out for animals

It’s not just chickens crossing the street – understanding which animals can walk near their streets is the best way to avoid an unpleasant accident.

Some routes and destinations may have such a constant flow of animals that signs warn you of the approach. Familiarize yourself with your traffic signs This way you know when you might share the route with deer, otters or even toads.

If you drive on these roads with poor visibility, either at night or in cloudy weather, use your lights to see them in abundance currently.

When driving on roads with animal warning signs, keep your speed at a brisk pace. Since animals are used to germinating out of nowhere, you should Give yourself enough time to react safely. And when the weather on a country road without sand is wet or icy, your braking distances are longer.

Do I urgently need to stop for an animal?

Dodging so as not to run into a small animal may seem compassionate, but it can endanger other people if it goes away Traffic. Any sudden maneuvering or braking can cause an accident with another driver, and it is an accident that you are responsible for.

You must have common sense when it is safe to stop or take a detour. If you can be sure that nobody is behind you or on the road, make room for frog or cattle.

If the animal is much larger, such as a pony or a deer, you should avoid a collision as you and your car could be damaged in the accident. If you continue slower Pace and when you meet a larger animal you should have enough time to react without endangering yourself or others.

What is the law to hit an animal?

The most important thing to consider after beating an animal is your own safety and that of other road users. After your accident, you need to find a safe place to stop and pull over. Are you and the passengers intact? Your car is fine. Once you have determined this, you should see the animal.

If the animal can be moved safely for him and her, you must move it so that it does not block the way.

You may also need to call the police.  you are required by law to report to the police in the event of a strike:

  • Dog
  • Horse
  • Cow (or other type of cattle)
  • Pig
  • Goat
  • Sheep
  • Donkey or mule

Once you have reported the incident, you should follow the advice of the police. You may have to stay on site long enough to collect details for the pet owner. Once you have permission to leave, you have no further legal obligations. It is the board’s responsibility to remove wildlife from the path. Contact them if you can.

You can also report the location of dead animals you meet, even if you haven’t touched them yourself. It’s not a legal requirement, but it does help make the roads safer.

Deer accidents

Some parts of the country are susceptible to many deer on the road, which could explain why there are so many deer-related traffic accidents every year. You can also read our top ten tips to avoid collisions with deer

What happens when I meet someone’s pet?

Beating an animal can be annoying, but knowing that it’s someone’s pet could go a step further. Regarding the law, you should report that you hit a dog. If you come across a dog, check that it is wearing a collar and contact the police as soon as possible.

Legally speaking, you do not have to report having hit a cat. However, this could change in the future, as a new cat law is being discussed in parliament. Either way, cat owners will appreciate if you check a collar and contact the family where you are.

If the cat is injured, you can wrap it in any blanket and take it to the vet. However, be careful with injured animals – they can be aggressive if they suffer.

Am I insured in the event of a collision with an animal?

Hitting a large animal at high speed can significantly damage both the car and the animal.

The most comprehensive guidelines cover you for damage to your vehicle that is not due to a collision with another car. If you make a claim after a collision with a wild animal, you may lose your no claim bonus and deductible unless you receive a protected no claim discount.

If you can demonstrate that the animal was a pet, farm animal, or other animal you can pay the owner if he should have protected the animal.

Other types of damage to animals

An animal chewed my sons, am I covered?

Squirrels, mice and other annoying rodents can sneak into your car and chew the cables inside. If you are fully insured, your repairs are usually covered. However, you may need to show that you have parked your car in a safe place. You may not be able to make a claim if, for example, your car is stored or parked on the street.