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Phone: 732-967-9110
Joseph M. Ghabour & Associates LLC

Does New Jersey Auto Insurance Cover Crashes With Animals?

In Crashes With Critters, Who Pays?

Springtime in New Jersey is a hotbed for animals in heat, making them more active and aggressive during the spring months. This increase in activity can be directly linked to an increase in collisions with critters. And it isn't limited to our state. Just yesterday, NJ.com reported of an Indiana car accident involving a 30-lb turkey!

This raises a question about insurance coverage. Crashes with animals can do some serious damage to your vehicle. And your policy may or may not include coverage for animal-related collisions.Despite the name, collision coverage DOES NOT include coverage for crashes with animals.

Comprehensive coverage does. Because comprehensive coverage is not required by law in the state of New Jersey, you may be on the hook for the repair costs incurred after a crash with an animal. Do you have comprehensive coverage? For help understanding your policy, reach out to us for a free policy review.

There are a few things you can do to protect yourself from accidents with animals:

  • Drive slower (especially at night!)
  • Use your seatbelt. Always.
  • Watch for roadside animal activity (glare from eyes, grazing activity)
  • Drive in the middle lane to give animals clearance
  • Use your highbeams on dark roads
  • Honk your horn when you see animals to frighten them away
  • Review your car insurance policy for comprehensive coverage

Have questions about your policy? Give us a call toll-free at (877) 721-7201

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