Liability insurance covers at-fault accidents. It doesn't cover accidents involving surprise events, such as a deer running into the road. Add comprehensive insurance to cover damage done by hitting a deer.
Liability coverage is the state's minimum insurance requirement. It provides protection to others if you're in an at-fault accident. However, the policy doesn't cover surprise events, such as hitting a deer.
Buy comprehensive insurance as an additional policy to remain covered for hitting a deer. Or, upgrade from minimum insurance to full coverage. Full coverage includes liability, comprehensive, and collision coverage.
Liability includes coverage for:
Liability coverage excludes coverage for:
Comprehensive insurance covers the following:
Civil disobedience: Someone breaks the law and vandalizes or steals your car.
Explosions and fire: Damage caused by flames and explosions are covered.
Damage from animals: You hit an animal, or an animal runs into your car.
Falling objects: An object falls onto your vehicle (e.g., pole, tree branch)
Glass damage: Broken windows and cracks
Natural disasters: Severe natural events such as hurricanes, earthquakes, or floods.
Terrorism: Any accident caused by a terrorist attack.
Weather-related incidents: Damage caused by hail, heavy rain, or any other severe weather.
The average cost for comprehensive coverage and liability coverage is $121 a month.
Buy full coverage (liability, collision, and comprehensive insurance) to maintain more protection. On average, full coverage costs $2,390 per year ($200 per month).
Progressive provides full coverage at a competitive rate. Contact Progressive to get an easy quote, today!
The amount of your deductible is pre-determined when you buy your auto insurance policy.
To get this policy with zero deductibles you're charged an extra cost. Ask your insurance provider about this option if you want to remove deductibles from your comprehensive policy.
After you hit a deer, remain calm and remember to take the correct steps to make your claim, such as the following:
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