Colorado’s vast landscapes and abundant wildlife increase the likelihood of wildlife-related accidents. With large populations of deer, elk, and other animals, these accidents can cause significant vehicle damage. So, how do these incidents affect car insurance claims in Colorado? Let’s explore.
Colorado’s wildlife accident statistics
Colorado is home to wildlife that frequently crosses busy roads. According to Colorado Parks and Wildlife, more than 3,000 wildlife-vehicle collisions happen annually in the state. These accidents commonly occur in rural or mountainous areas, particularly at dawn or dusk when animals are most active. They can also take place in urban areas near wildlife corridors.
Types of coverage that protect you
If you’re involved in a wildlife-related accident in Colorado, understanding your insurance coverage is key. Comprehensive coverage is the primary protection for wildlife collisions. It helps pay for repairs if an animal causes damage, such as a deer hitting your car.
Collision coverage usually applies to accidents with other vehicles, but it may also cover damage caused by hitting an animal. However, if you only have liability coverage, wildlife-related accidents will not be covered, leaving you to pay for repairs.
Reporting a wildlife accident in Colorado
After a wildlife-related crash, report the accident to your insurance company right away. Colorado law also requires you to report some wildlife collisions to local authorities, particularly if the animal is injured or killed. This helps authorities track animal movements and reduce future accidents. Insurance adjusters may request a police report or wildlife collision documentation to process your claim.
What to expect during the claims process
When filing an insurance claim for a wildlife-related accident, the process is similar to any other car accident. However, if the animal caused significant damage, it might be more complex. Insurance adjusters will assess the damage, review your policy, and determine whether the claim falls under comprehensive coverage. In some cases, the settlement offer may be lower, so be prepared to advocate for fair compensation.
Colorado’s wildlife-related accidents require more than knowing how to file a claim. Understanding your coverage ensures you’re ready for the unexpected.