Penn. auto insurance may not know that comprehensive coverage is required in order to protect against property damage from vehicle-deer collisions.
Online PR News – 03-November-2010 – – An advisory was released this week from Pennsylvania Insurance Commissioner Robert L. Pratter regarding the heightened danger of vehicle-deer auto accidents this month.
The commissioner warned Pennsylvania car insurance consumers that, as we enter the breeding season for deer, the animals generally become more heedless, and the likelihood of getting into an accident rises. According to the statement released by the state department, the Keystone State has the third-highest amount of deer collisions in the nation.
What Penn. drivers may not know is that, although injury to the driver resulting from such an incident will likely be covered by the mandatory medical payments coverage, a basic policy will most likely not cover physical damage that a vehicle incurs from an incident with a deer. For drivers wishing to protect themselves from having to pay in full for this type of damage, they will need to obtain a comprehensive auto insurance policy — a type of coverage not required by state law. In addition, consumers can rest assured that such an accident is not likely to result in a rise in rates.
According to the Kentucky State Police Department, these crashes result in $3.6 billion in vehicle damage costs per year, with the average claim for a vehicle-deer collision coming in at around $3,000. With those types of costs, the extra price of the premium for comprehensive coverage could prove to be a worthy investment.
Unfortunately, deer-vehicle collisions are a matter with much graver aspects than claims costs. Pratter’s release points out that, nationally, more than 150 people lose their lives every year as a result of these accidents.
To learn more about Pennsylvania auto insurance issues, consumers can go to http://www.onlineautoinsurance.com/pennsylvania/ where visitors will also be able to compare coverage costs for free by using the quote-comparison generator.