Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 14, 2021

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In a nutshell...

  • Animals can cause damage to your car in many different ways, both inside and outside the vehicle
  • On the inside of your car, animals may damage the electronics or wiring of your vehicle, making it more difficult to operate safely
  • Your auto insurance can help you restore yourself to your pre-loss condition, so long as you have coverage in place before the loss occurs

There are many animals that can cause damage to your vehicle when you least expect it, and this can happen when you’re driving or when your car is parked.

Some animals are small and sneak into the inner workings of your vehicle, while others cause car accidents and larger amounts of damage.

Protecting your vehicle and your wallet from these losses is essential, so speak to your insurance company about your coverage options.

Compare car insurance quotes using our free tool above!

Protecting Your Car From Animal Damage


Animals can damage your car when it’s inconvenient or least expected, and the damages caused can range from minimal amounts of damage to total losses.

Regardless of the amount of damage caused, your auto insurance helps provide coverage for these losses if you carry comprehensive coverage.

The one exception to this is collision caused by an animal, such as when you collide with a deer while driving.

Comprehensive coverage is an optional choice in most instances, which means your state may not require you to carry this coverage.

If you’d like to protect your vehicle from unexpected losses caused by animals, as well as other unforeseen events, comprehensive coverage is an excellent choice to consider.

Keep in mind that this coverage does not protect you from vehicle wear-and-tear or poor maintenance.

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Important Things to Remember About Auto Insurance

Your auto insurance is a group of coverage terms and conditions that protect you from losses that happen and are more than you can handle alone.

When animals cause damage to your vehicle, you may not have time to prepare or react appropriately. Your auto insurance can help restore you to your pre-loss condition when these events occur.

It’s important to remember that your comprehensive coverage often features a deductible, which is the amount of any covered comprehensive loss that you are responsible for covering.

If the claim’s amount does not exceed your deductible amount, your insurance provider may not help cover any portion of the application.

You should always assess the amount of any loss before filing a claim, since it may be beneficial to handle the loss on your own instead of filing a claim.

When you file a claim, you are creating a record that is added to your insurance history; this record is a listing of your interactions with your insurance companies as well as your account of claims.

This history can influence your insurance policy pricing and your ability to find coverage at a reasonable amount.

They can often help you understand the following:

  • How your coverage applies
  • What deductible amount you carry
  • Any terms or exclusions that apply to your loss

It’s important to discuss your available options with your insurance company before filing a claim, since some losses may not be covered.

Finding the Best Coverage for Your Needs

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Protecting your car from animal-related damages is often seen as a challenge since animals can cause accidents or losses when you least expect.

However, your auto insurance can help you recover from these unexpected incidents, like when a deer runs out and causes you to crash.

It’s essential to carry comprehensive coverage on your auto insurance before the loss occurs.

When you’re looking for insurance coverage, it’s important to get coverage quotes from different companies. This gives you the chance to compare pricing and coverage options from different companies.

Different insurance companies will offer different policy coverage at different pricing, so you should assess your needs and choose the policy that fits your needs and is within your budget.

Compare car insurance quotes today by entering your zip code below.