The days are getting shorter, the streets are covered in leaves and it’s still foggy. It can quickly happen that one moment you don’t look ahead and the next moment a deer comes on your windshield. What to do then and what insurance will cover the damage.
What is a wildlife accident and which animals are involved in such an accident? Covered by insurance?
A wildlife accident is a road accident involving a wild animal. In the event of such an accident, the amount of insurance coverage may vary depending on the provider. According to the General Association of Insurers (GDV), standard comprehensive insurance is based on the Federal Hunting Act, or more precisely, on the animals listed here as fur game. Among them are deer and red deer, wild boar, foxes, lynxes, wild rabbits, hares and also field and mountain hares. In principle, the companies pay for these animals. Some insurers have extended their cover to include other animals, such as farm animals. Allianz Direct covers accidents with all animals, including birds, farm animals and pets. This also covers accidents involving a runaway horse or cow.
Who pays for damage caused by wild animals?
Partial comprehensive insurance covers damage to your own car. It is important, however, that the costs are only paid if the vehicle was moving at the time of the accident. Otherwise, there is no wildlife accident. Run in wild boar For example, into a parked car, this is not an accident with wild animals and the possible damage can only be covered by comprehensive insurance. Here we are talking about “classic complete damage”, which, however, has a negative impact on the no-claim bonus, explains the GDV spokesperson.
What damage does one cover? Motor vehicle liability insurance?
Motor vehicle liability insurance covers damage caused to third parties – for example if another car is damaged because you are trying to avoid the animal. This also applies if you injure pedestrians or cyclists when making an evasive move. The coverage amounts are usually 100 million per insured event and 15 million per injured person, says Allianz. According to Allianz, the driver is not covered by motor vehicle liability. However, the driver has the option of taking out so-called driver’s protection, which also covers his own personal injuries.
When do you have to pay for the damage yourself?
According to GDV, anyone who does not have comprehensive insurance, other than motor vehicle liability insurance, must pay for damage caused by wild animals to their own vehicle. “There are other exceptions if the insurance only covers part of the damage caused by wild animals, for example if the driver was grossly negligent and gross negligence is excluded in the insurance contract,” said a person -speak ADAC. According to Allianz, even if the driver of the car involved in the accident is driving without a driver’s license or driving under the influence of drugs or alcohol, he can or lose his insurance cover.Then the insurance is exempt from covering the costs.
How do I react properly in the event of an accident with wildlife?
“If a collision with a wild animal cannot be avoided, you should hold the steering wheel, brake quickly and keep the vehicle in your own lane if possible to avoid skidding, as this can lead to serious accidents,” said the Allianz. In the event of an accident with wild animals, it is important to protect yourself and others. That means: turn on the hazard warning lights, put on a safety suit and secure the scene of the accident, he says ADAC. If you are hurt, you will do it First aid and call the emergency doctor. According to the ADAC, in all wildlife accidents, even if no one is injured, you should always Police cry Injured animals should not be touched; dead animals should, if possible, be dragged to the side of the road with gloves on to avoid accidents. According to Allianz, the police or a person responsible for hunting, such as a hunter or forester, should provide a certificate of game damage and register the damage, blood stains and hair remains with the police. It is also a good idea to take your own photos of the accident scene. You then send these documents to the insurance company. You should only wash the vehicle if the insurance company gives you the OK.
2024-09-08 03:15:25
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