Bear Damages Tennessee Man’s Car

A black bear broke into a Tennessee man’s car and caused significant damage. What type of car insurance would've covered this?
Written by Lisa Steuer McArdle
Reviewed by Kathleen Flear
Aug 2, 2021
While you might expect to possibly encounter a bear during a camping trip, you don’t usually expect to chase one out of your car during that trip. But that’s exactly what recently happened to a
Tennessee
man.
In fact, the black bear actually broke into the car and caused significant
damage
, according to
ABC7 Chicago
.
This story just goes to show you should always make sure you have proper
car insurance
for every possible situation.
A black bear broke into a Tennessee man’s car and caused significant damage.

Tennessee bear breaks into a car

In the video, Joseph Deel can be seen opening the car door, which is when the bear emerges.
Deel and his friends can be heard yelling at the bear as it steps out of the car and looks around briefly before making its way into the woods.
But apparently the bear wasn’t done after that. Deel also reportedly said that the bear later returned with another bear, and tried to get back into the car.
At that point, Deel went back outside and yelled at the bears to get them to leave. The bears then left the car and moved to the backyard of the cabin Deel was staying in with friends before eventually leaving.

Car damage and getting insurance involved

But the trouble wasn’t over for Deel.
As he was driving home from his vacation, his car ended up breaking down due to the damage caused by the bear.
Deel had no choice but to abandon his car, and he said that his insurance took two days to get a tow truck to his car.
But his bad luck didn’t even end there, as he told news outlets that during that time, looters broke into his car through a back window. They reportedly stole his catalytic converter, battery and exhaust manifold.
His car insurance ended up cutting his car at a loss and
totaling it
.

Comprehensive car insurance for animal damage

It’s not known exactly what type of car insurance Deel has, but
comprehensive coverage
typically will pay for damage to your car caused by an animal.
Unlike other types of car insurance, comprehensive coverage pays for any damage caused by something other than a collision with another driver.
Most lenders will require you to have comprehensive car insurance, in order to protect the company’s investment.
But even if you’ve paid your car loan off, you should still consider having comprehensive car insurance.
In addition to damage caused by an animal, comprehensive car insurance also typically covers natural disasters, fire, vandalism, car theft, fallen objects like trees or branches, and a broken windshield or glass damage.

Get covered with Jerry

If you want to make sure your car is protected against damage from a bear or anything else,
Jerry
can help.
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As a licensed broker, Jerry also takes care of your insurance needs from start to finish. The app also monitors your car insurance rate every six months on an ongoing basis.
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National General
Allstate
AAA
Aig
Chubb
ClearCover
CSE
Dairyland
DirectAuto
Elephant Auto Insurance
Kemper
Libertymutual
Gainsco
Mapfre
Mercury Auto
Metromile
Nationwide
Plymouth Rock
Progressive
State Auto
Safeco
Travelers
Metlife
Bristol West

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