My insurance agent is a friend of mine. He was my first phone call, and he set me up pretty quickly. One of my first questions was how this was going to affect my rates.
He said not at all, and the same thing you said, animal ok, but swerving to not hit an animal and hitting something else would cause my rates to rise.
I got a hotel room on State Farm's dime, drove the car to a body shop, and was picked up by Budget. So far, so good. I went with one of State Farm's recommended network shops, for the sole reason that I would have a nationwide warranty if the paint repair fails.
I know it's just a car, I'm not worried, they're using new Subaru factory parts (shop said that insurance companies typically try to force shops to use used/reconditioned parts, but none were available...must be the curse), and they send me texts to inform of their progress.
The worst part of all of this is driving a Versa. Oh and 4 hours earlier, I just installed a Perrin 2.5 resonated catback, intake tube & master cylinder brace, and Radium dual catch cans. 30 miles...I made it 30 miles.
As the deer was juking across the street like an ice skating epileptic, I hit the brakes and was waiting for it to come thru the windshield. When the airbag hit me, for a split second I thought it was the deer. My hands were knocked off the steering wheel (hands were wet 9 and 3 o'clock) and I grabbed it again and kept slowing to a stop. Fun times. No I didn't keep the deer. Nowhere to put it.
Quote:
Originally Posted by Go Frogs
Glad you are ok. It sucks that the car is damaged, but it is repariable. I know it is tough to say and accept, but it is only/just a car.
Hitting an animal is the best thing you could have done, if you were going to hit something. Insurance is much more forgiving when you hit wildlife/animal.
If there is ever a situation where you either hit the animal or swerve...ALWAYS hit the animal Ok, you Canadians might want to miss the Moose, but beyond the Moose, hit the animal.
It may sound wrong and you may feel bad for hurting/killing an animal, but don't.
Your insurance company will be much more understanding if the damage is caused by an animal; an act of nature out of your control vs. you swerving to avoid "something" and hitting a tree/post/guardrail/ditch which makes it look like a single vehicle accident and you have no way to prove otherwise (i.e. no hair/blood).
Hitting Animal = GOOD
Hitting tree/post/guardrail/ditch to miss animal = BAD
Cheers.
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