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."

Answer provided by
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Emily Maracle
Answered on Jul 28, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“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 elsewhere.”
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