Here’s the latest reader question, along with my reply!
Tom asks: What happens if you hit a deer? Did I hear right that the insurance mafia won’t pay off if the accident isn’t described just right?
My reply: It’s pretty much the same as happens when you hit another car or any other solid object. The difference being you can’t give the deer a ticket – and while it’s not common for you to get the blame, overtly, it is not uncommon for such an incident to eventually result in a premium increase.
A deer strike can easily cause thousands in damage and even total a car, depending on the size of the deer, the speed of the car and where the deer strikes the car.
I’ve had two such incidents happen and in both cases I dealt with it myself – as is my general policy because I trust the insurance companies to be fair as much as I trust Fauci to be honest. I was lucky in the case of the first strike because it involved my ’98 truck that had a metal bumper and I was able to just pull it back into place. The second strike – which happened to my ’02 – caused more damage because it had a plastic front end. But rather than file a claim, I paid out of pocket.
I recommend doing the same unless the damage entails more than say $3,000 or so in damage – at which point what they pay out will probably compensate for what they make you pay in.
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