Wildlife collision with the car: does the insurer pay?
A deer jumps onto the road, there is a crash, and now the car is damaged? Wildlife collisions are common and usually covered by partial cover insurance. The key is correct documentation right after the accident.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Report the damage →Your chances of getting your money back
What you should do now
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1. Secure and document the scene
Hazard lights, warning triangle; photograph the damage, the scene and, if present, the animal (do not touch it).
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2. Inform the police or hunting tenant
Report the wildlife collision so that a wildlife-damage certificate can be issued.
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3. Report the damage to partial cover
Submit the certificate, photos and a cost estimate or expert report to your insurer.
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4. Note the deductible
With partial cover, your agreed deductible generally applies; the no-claims class usually remains unaffected in wildlife collisions.
Frequently asked questions
Does partial cover pay for every animal accident?
Classically, a collision with game (deer, wild boar, stag) is covered. Many modern policies also include accidents with other animals (for example, domestic or grazing animals). Check your policy conditions, which state which animals are covered.
What do I have to do after a wildlife collision?
Secure the scene, photograph the damage and situation, and inform the police or the responsible hunting tenant so you get a wildlife-damage certificate. You submit this with photos and a cost estimate to partial cover.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.