Do I need to tell my insurance if I hit an animal?

"Do I need to tell my insurance if I damaged my front bumper when I hit a coyote? I don't want my rate to go up."

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You aren’t required to tell your insurance if you damage your vehicle unless you want to file a claim.
To file a claim after hitting an animal, you would need
comprehensive insurance
. After paying your deductible, your insurance would cover any remaining costs.
When you file a claim with your insurance, your rate may increase. The amount it increases varies, but it often depends on your driving record and the type of claim.
If you’re concerned about a rate increase, you should get an estimate from a repair shop. If the damage is more than you can afford out of pocket, you should consider filing the claim with your insurance.
If your rate increases at renewal, you can always shop around. Even if your rate increases with your current company, it doesn’t mean you can’t find
affordable car insurance
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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