Did you know that the months with the three most dear involved accidents occur in the month of October, November and December? October ranks second of all months for deer related crashes. November ranks first, and December ranks third.
Once you've owned a vehicle for quite a while, a vehicle goes through a certain lifestyle stage. When you buy it and finance it, you are required to carry comprehensive and collision coverage until the loan is paid off. But after that, then it becomes an option. Vehicles depreciate so quickly that it may not be worth carrying both comprehensive and collision coverage anymore.
But what many people do not realize is that you can have comprehensive coverage without collision coverage, and you may be very surprised to see how little of an increase it is on your auto insurance premium. In many cases I have seen comprehensive coverage cost less than $10 a month.
How much does the average deer claim cost?
I've researched several places for this, and have found varying answers in terms of dollar figures. But for most of the studies and research that I have seen, the average dear related claim is in the ballpark of $2800- 3300. That's a huge out of pocket repair expense if you do not have collision coverage!
Another thing I want to point out is that my particular area of Ohio, Michigan, West Virginia, Indiana, Pennsylvania and Virginia all have higher rates of deer incidents as compared to the rest of the country. In fact, West Virginia ranks number one in the country in terms of having the highest probability of a deer claim.
I have many customers who only carry comprehensive coverage during the fall months, when deer are out on the roadways more. They feel that during those months, it is worth having comprehensive coverage. I happen to agree.
If you would like to get an Online Auto Insurance Quote, click on the link below, and I will quote you with several auto insurance companies and find you the company with the best rate. Or, if you wish, you can give me a call at 740-574-2618, and I will run your quote over the phone.
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..