Does Hitting A Deer Raise Your Insurance Progressive

Deer collisions are a growing threat, and drivers are increasingly worried about the impact on their insurance rates. Will hitting a deer cause your Progressive insurance premiums to spike?

This article breaks down how a deer-related accident could affect your Progressive insurance, clarifying potential rate increases and coverage options.

Understanding Insurance Coverage

Comprehensive coverage is typically what covers damage from hitting a deer. It falls under the category of "not-at-fault" accidents.

Liability coverage, on the other hand, doesn't cover damage to your vehicle in a deer collision. It only covers damages to other parties if you are at fault in an accident.

Collision coverage might also apply, but this is generally less likely in a deer strike situation.

Will Your Rates Increase?

The big question: will your Progressive premium increase? Generally, hitting a deer is considered an unavoidable incident.

According to Progressive's website and publicly available information, they typically don't raise rates for "not-at-fault" accidents like deer collisions, assuming you only file a claim under your comprehensive coverage.

However, this isn't a universal rule. Some factors can influence this, including your specific policy details, driving history, and state regulations.

Factors that Could Impact Your Premium

Even if you're not "at fault," filing multiple claims within a short period could impact your rate. Insurers might see you as a higher risk.

Your policy deductible also plays a role. A higher deductible means lower premiums, but you'll pay more out of pocket for repairs.

The severity of the damage is also a key factor. Extensive damage might trigger a closer review by Progressive.

State Laws and Regulations

State laws regarding insurance rates and deer collisions vary. Some states have strict regulations preventing insurers from raising rates after a single not-at-fault accident.

Check with your state's Department of Insurance for specific regulations in your area. They can provide clarity on your rights and protections.

Filing a Claim with Progressive

If you hit a deer, document the damage with photos and a police report if possible. This documentation strengthens your insurance claim.

Contact Progressive immediately to report the incident. Provide them with all relevant information, including the date, time, and location of the collision.

Be prepared to provide a detailed description of the accident and any supporting documentation.

What to Do Next

Review your Progressive insurance policy to understand your coverage limits and deductible.

Contact Progressive directly to confirm their policy on rate increases after deer collisions. Ask for a written confirmation of their policy.

If you're concerned about a potential rate increase, consider getting quotes from other insurance companies to compare rates. This can help you make an informed decision about your insurance coverage.