Basic auto insurance policyholders may not be covered in the event that they incur damages from a deer-vehicle collision.
Online PR News – 29-October-2010 – – Getting into a car accident with a deer may be a possibility that not all motorists consider. In their most recent FAQ, the writers at OnlineAutoInsurance.com discuss what type of car insurance will protect a person financially from this type of incident.
Though it may well seem like a freak occurrence to drivers in states like Hawaii, the prospect of getting into a deer-vehicle collision should be taken seriously by those driving through the states on the mainland, especially those in the Midwest and South.
For instance, Georgia auto insurance policyholders may not know it, but their chance of hitting a deer in the next year has been estimated by one car insurance company to be about one in 150.
And, in states like Kentucky, the problem has become even more pronounced. The state police report that Kentucky saw 3,070 deer-vehicle collisions in 2009 that resulted in 176 injuries and one fatality. The average claim resulting from one of these incidents has been estimated to be $3,000. This hazard is even more serious in November, when the number of deer-car accidents has historically spiked dramatically.
In light of these numbers, drivers in the most prone states may want to get covered against deer-auto accidents.
To do that, they will need to acquire first-party coverages like comprehensive, personal injury protection or medical payment insurance. These types of coverages may pay directly to the policyholders for damages that they and their autos have incurred, regardless of fault.
To access the full FAQ, readers can go to http://www.onlineautoinsurance.com/ where visitors will also be able to shop for the forementioned coverages by using the free quote-comparison generator.