You may be surprised; what your insurance may not cover in case of accident with an animal

TULSA - The Better Business bureau warns this time of year you're more likely to have an accident involving a deer or other large animal because of October to December migrating and mating seasons.

It's time to check with your agent and closely read your policy so you can be sure you're fully covered and don't miss out on any reimbursements or benefits you're entitled to receive.

                   The Better Business Bureau offers this information and advice:

According to the non-profit Insurance Information Institute, on average a deer-vehicle collision costs $2,800 per insurance claim; $10,000 if there is injury to the driver or a passenger.

Only comprehensive coverage reimburses drivers for loss due to contact with animals such as birds or deer. This fact often causes confusion among drivers who are not aware that collision coverage will not cover a collision with an animal. In addition, most auto insurance policies do not automatically cover the cost of a replacement rental car after an accident.

Although many drivers have coverage for a replacement rental car, they may not realize it because this optional coverage was added at such a minimal expense, usually just a couple of dollars a month. This coverage provides immediate access to a replacement rental car until repairs are made to their damaged car, or you are authorized by your insurance company to purchase a new car.

You should also know if you have gap coverage. If you do and your car is totaled, you won't have to continue making payments on the balance owed on the car. Gap coverage pays the difference between the amount the insurer pays for the totaled car and the amount the insured owes on his or her lease or loan. Without this coverage, drivers are responsible for paying the remainder of their lease or loan even when their car is totaled.
BBB recommends the following tips to car owners who are looking to understand what their auto insurance covers:

Report the damage as soon as possible. If your car is not drivable, your agent or claims center may be able to save you time and money by having the car towed directly to the repair facility instead of to a temporary storage facility. In addition, arrangements may be made immediately to provide you with a replacement rental car, but only if your policy includes this coverage.

Know what your deductible is and ask about any additional charges before authorizing work. Expect your insurance adjuster, claims representative or repair facility appraiser to review the damage with you and explain the repair process, including the use of original or generic auto parts. Before authorizing repairs, know what your deductible is, as well as any additional charges you will be expected to pay once repairs are complete.

Ask about warranties on repairs. Ask whether your insurer has a repair facility referral program that offers a written limited or lifetime repair warranty backed both by the repairer and insurer for as long as you own your vehicle.

Do business only with a reputable company. Obtain insurance from companies, independent brokers or direct marketers that have a proven track record of handling auto insurance claims effectively. Get a referral, or check out the insurer's BBB Business Review at bbb.org. Your State Department of Insurance is also another great resource.

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