Wisconsin Car Accident

Traffic Accidents Involving Deer Can Be Covered

Madison, WI--Car accidents with deer are still more likely through late winter and Wisconsin drivers should be aware they need a specific type of insurance to cover their car repair costs.

Over 20,000 deer-related crashes were reported in Wisconsin during 1999 and 2000. The Office of the Commissioner of Insurance (OCI) has tips for making sure vehicles are covered in case of accidents involving deer and other animals.

"What we call 'collision insurance' does not cover the damage that occurs when a car hits a deer," said Connie L. O'Connell, Commissioner of Insurance. "Automobile owners should check their policy to see if they have purchased the appropriate 'comprehensive coverage'." By looking at the Declarations Page that summarizes automobile insurance policies, consumers can learn the specific types of coverage included in any policy.

Insurance policies usually use one of two different terms to describe coverage that includes contact with animals: Comprehensive Coverage or Other Than Collision Coverage. The coverage included in those terms is protection against damage to a vehicle caused by hitting a deer, as well as damage from hail, theft or falling objects. It is optional and includes its own deductible.

To have auto insurance cover at least some of the cost for bodily injuries that are the result of an accident with a deer, consumers would need to choose Medical Payments Coverage. Medical Payments Coverage is offered at a certain dollar amount, usually a minimum $1000, and that amount also will be listed on the Declarations Page. Medical Payments Coverage must be offered by insurers, but it is optional and can be declined by policyholders. It often will pay only for accident expenses not covered by health insurance.

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