Auto insurance in Hershey, PA is designed to provide coverage to help you pay for damages. Pennsylvania is the leading state for deer-vehicle accidents nationwide. It’s crucial to know whether your insurance will help pay for damages if you accidentally hit a deer.

Limited Liability Coverage

Many states require vehicle owners to have minimum coverage. Liability coverage pays for the other person’s car and medical bills if there’s an accident. However, you typically have to pay for the damages to your vehicle out of pocket. This type of insurance does not cover damage from an accident with an animal or object.

Comprehensive Vs. Collision

Comprehensive and collision insurance both provide coverage for your vehicle in the event of an accident. However, there are key differences you need to understand.

Collision coverage provides protection if you collide with another vehicle or object, such as a telephone pole. For example, if you swerve to avoid a deer, accidentally hit the deer, and then collide with another vehicle, collision coverage may cover damage to the other vehicle.

Comprehensive coverage provides protection against events beyond your control, which typically includes accidents involving deer. It’s essential to speak with a professional at Options Insurance Agency to determine what type of coverage you need for deer-related accidents before you hit the road.

Additional Coverage

Many insurance companies offer additional coverage to limit disruptions after an accident. For instance, you may be able to purchase roadside assistance to get your vehicle towed after an accident. Rental car coverage is often available as well.

Professional agents at Options Insurance Agency will work with you to ensure you have the necessary coverage, including additional options. Contact us today to learn more. We’re currently serving the Hershey, PA area.