Driving through scenic areas can be a joy, but it also comes with unexpected risks—like crossing paths with wildlife. From deer bounding across rural roads to smaller animals darting out in suburban neighborhoods, animal encounters can cause significant damage to your vehicle and even put you at risk for injury. At Spring Grove Insurance in Spring Grove, IL, we want to help drivers understand how auto insurance can protect them in these unusual yet surprisingly common scenarios.
Understanding Comprehensive Coverage
When it comes to accidents involving animals, comprehensive coverage is what you’ll need. Unlike collision insurance, which covers accidents with other vehicles, comprehensive insurance kicks in for non-collision incidents like hitting a deer or swerving to avoid a wandering dog. It can help pay for repairs to your vehicle, whether it’s a dented hood, a shattered windshield, or even more severe damage to your car’s structure. Without this coverage, you could be left footing the bill entirely on your own.
What About Smaller Animal Damage?
While deer strikes are the most common animal-related claims, smaller animals can also cause trouble. Raccoons, squirrels, or even rodents can chew through wiring or nest in your engine, creating costly damage. Comprehensive coverage can also extend to these types of situations, ensuring you’re protected from the unexpected.
Drive with Confidence
Animal encounters on the road are unpredictable, and the damage they cause can be expensive. Comprehensive auto insurance provides a safety net for these situations, giving you peace of mind every time you drive. If you’re in Spring Grove, IL, Spring Grove Insurance can help you find the right auto insurance policy to keep you covered on and off the road. Contact us today to learn more about your options.
