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Will my car insurance still cover my vehicle if I had it towed out of the road after hitting a deer? I have a witness to the event.


Car being towedYes. Even if you move a vehicle from the scene of an accident, your car insurance company will pay for the damage your vehicle sustained.

An issue that may arise is whether you hit a deer or other object. The distinction determines whether your claim is filed under collision or comprehensive insurance. You may have a different deductible for each coverage.  Also, comprehensive claims don’t typically raise your future car insurance rates while collision claims may if you’re found at fault.

If you have a police report or a tow truck driver or other unbiased witness can collaborate that you hit a deer -- or the damaged vehicle has evidence showing you struck a deer -- it shouldn’t be a problem making a comprehensive claim.

If, however, you say you hit a deer but have no proof, then your car insurance company may investigate further. You'll need evidence of a deer strike to make a comprehensive claim.  Otherwise your insurer may find you hit another object and make this a collision claim.

For instance, if you swerved to miss a deer in the road and hit a tree, it would be a collision claim because you didn’t actually strike the deer.

I’d advise you to contact your car insurance company with your claim for striking a deer, and make sure to provide evidence that you did hit the animal and then had the car towed away for safety reasons.

Last updated: Apr. 23, 2015
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