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Here's the question. How do I deal with the insurance company & diminished value ? anyone have any tips ?
Most insurance carriers specifically exclude diminished value in the auto policy so look at yours or ask your claims person to show you where it is. “Act of God” is a term that makes no sense in a deer hit. It’s simply a Comprehensive claim which will be verified by the appraiser that looks at your car by taking a photo of the hair etc. Evidence of contact with an animal is important as unfortunately people try and claim they “hit a deer” etc vs telling the truth that they actually hit another vehicle or structure etc. This was done as typically a Comprehensive claim is not chargeable (vs a Collision claim normally results in increased premiums) and will not raise your premiums so it’s and important part of the investigation. Hard to prevent this from showing up on Car Fax which will ultimately hurt your trade in or resale value. You hopefully have a quality insurance company which should result in a fair and equitable experience for you. The old adage of you get what you pay for applies to insurance companies too. Good luck!!
Most insurance carriers specifically exclude diminished value in the auto policy so look at yours or ask your claims person to show you where it is. “Act of God” is a term that makes no sense in a deer hit. It’s simply a Comprehensive claim which will be verified by the appraiser that looks at your car by taking a photo of the hair etc. Evidence of contact with an animal is important as unfortunately people try and claim they “hit a deer” etc vs telling the truth that they actually hit another vehicle or structure etc. This was done as typically a Comprehensive claim is not chargeable (vs a Collision claim normally results in increased premiums) and will not raise your premiums so it’s and important part of the investigation. Hard to prevent this from showing up on Car Fax which will ultimately hurt your trade in or resale value.
Why is a deer hit even in question? Hair and deer splatter everywhere !!! My car fax is ruined. Nothing I can do about it, and I knew that prior to calling the cops.
I'd have to change to a vegan if deer was the only option in my freezer.
Lived in Montana for 4 years and had the opportunity to eat multiple wild game. Never did care for deer as I tried using Milk and other stuff to make it eatable. Just not for me. Pheasants was the item I really liked. But if I hunted it and killed it.. I ate it.
I got ambushed by a deer. It came running out of the brush along a narrow road, full speed. I was going about 40, downshifted and stood on the brakes. It cartwheeled over the roof landing in a culvert. Damn thing got up and ran away. Left me with $4800 damage to my 3 year old Acura RSX. No airbag deployment. I was surprised it was covered under comprehensive, not collision.
I'd have to change to a vegan if deer was the only option in my freezer. Lived in Montana for 4 years and had the opportunity to eat multiple wild game. Never did care for deer as I tried using Milk and other stuff to make it eatable. Just not for me.
Now I hunt at the grocery store.
There are 9 different standard cuts of meat on cattle. There are many more not standard. A Guide to All the Cuts of Beef (thespruceeats.com).
Every cut is different. Some are tough to eat. Some are tender, some are mildly chewy. Some need to be ground up. Deer are no different. Back straps are amazing. Tenderloins are amazing. Anyone who says deer is not edible never ate a back strap or tenderloin. Did you ever eat a filet mignon? It's not like any other cut of beef. Deer are no different. Valuable cuts, and not so tender cuts. Eat the back straps, filets, and grind the rest if you think it's chewy.
Round steaks are the worst. They are very chewy. Must guys grind them up into meat sauce. Or stir fry. You can NOT make a general statement about deer being no good.
This happens way too much here in PA. One year I hit 3 deer with 3 different cars! My insurance agent wasn't impressed. Fortunately 2 of the hits were in my pickup trucks and I mostly won those arguments.
This happens way too much here in PA. One year I hit 3 deer with 3 different cars! My insurance agent wasn't impressed. Fortunately 2 of the hits were in my pickup trucks and I mostly won those arguments.
YEP, snow plows are immune also, too many to count with that only one with the vette flew over the roof hit him in the knees not a mark on the car!
As to comments about not braking HARD to reduce impact speed & not steering to avoid. Our cars have ABS braking which means you can STAND on the brakes without skidding AND you can continue to try steering around the animal (or whatever) while stomping on the brakes (don’t let off them).One BIG caveat is be SMOOTH changing directions. It is possible to overwhelm the nannies, especially stability control & go into an unrecoverable spin. Main thing is to reduce impact speed. 🦌
^^^
Agreed. Brake! There is no reason not to try and slow down prior to impact.
I have hit two deer, the first in a C5 Z06; the second, C7 Z06. Each time I hit the brakes hard without turning. I still hit the deer, but there is no question braking served to diminish the impact.
Insurance is really funny about hitting a deer You must say "I hit a deer" not "I THINK I HIT A DEER" I've known that happening and the deer gets up brushes itself off and runs away.
Maybe I just have good insurance but I had a deer launch out of the woods and hit ME from the side, he wrecked my front quarter panel, obliterated the side view mirror, front door and rear door all smashed in.
I think I was on the phone with my insurance for 4 minutes. Said a deer smashed up my car, done. Took it to a body shop, fixed up like new no questions asked. I don't even recall anybody suggesting coming to see it in person.
Not my corvette thankfully but I have the same carrier for all my cars.
I had no reaction time in this case either, but if it was in front I'd absolutely brake. I don't swerve for animals, but I brake.
^^^
Agreed. Brake! There is no reason not to try and slow down prior to impact.
In defensive driving classes, the recommendation that is taught is to not slam on the brakes if the hit is inevitable. The rational is that when you slam on the brakes, the car's front end drops down and it's more likely that the deer will slam into your windshield and end up in your lap. That is never a good thing.
As far as eating deer meat, one of the best ways to cook deer meat is to use it as the main meat in spaghetti sauce (South Philly "gravy"). The acidity of the tomatoes really breaks it down and the flavoring is spectacular.
What a horrible experience! I am glad you are Okay 👍
I was coming back from a day in the Santa Barbara Hills, going slowly because of the fog, when I came around a curve and saw this guy!
This happens way too much here in PA. One year I hit 3 deer with 3 different cars! My insurance agent wasn't impressed. Fortunately 2 of the hits were in my pickup trucks and I mostly won those arguments.
Wow! That's some crazy (bad) luck.
Did you buy a lottery ticket for this weekend?
With that kind of bad luck, you are due for some good luck, and might become a billionaire!
^^^
Agreed. Brake! There is no reason not to try and slow down prior to impact. I have hit two deer, the first in a C5 Z06; the second, C7 Z06. Each time I hit the brakes hard without turning. I still hit the deer, but there is no question braking served to diminish the impact.
That is so wrong, it's dangerous. When you brake, your head goes forward. Then the air bag deploys and slams your head backward, not to mention your face is closer to the explosion.
In my case, foot on the gas, my head was already against the head rest, or very close. Air bag deploys, my face is as far as possible from the explosion, and my head is already against the head rest. I have no whiplash.
My neck is most important to me.
Having said that... in the dark, pitch black, dark brown deer coming out of nowhere. You are not seeing a running deer coming out of the thick brush / woods. I never saw the deer coming. Luckily..
That is so wrong, it's dangerous. When you brake, your head goes forward. Then the air bag deploys and slams your head backward, not to mention your face is closer to the explosion.
Not sure your conclusions are valid.
With your seat belt on, the instant you hit the deer your seatbelt automatically tightens holding your body against the seat back, and the air bag deploys. Hard braking will not drive your head forward. Hitting the deer might. The airbag does not slam your head back, it provides a cushion to prevent you from hitting the steering wheel. Suggest you look at some slow motion videos showing air bag deployment.
My experience in an actual crash into a lady running a red light where I slammed on the brakes just prior to hitting her and the air bag deployment didn't even damage the sunglasses I was wearing.
Not sure your conclusions are valid. ** Hard braking will not drive your head forward. ** Hitting the deer might. .
Are you sure about that? You should try it with CCB's. Hitting a deer is not hitting a cement wall. Deer are movable objects, and thus there is no sudden deceleration when hitting a deer. and considering how you hit the deer, and where the energy goes, you are not getting whiplash.
CCB's are instant deceleration. 1000x more than hitting a deer.
For what it's worth, I just heard this morning on the news. If daylight savings were to be legislated permanent, over 37,000 deer hits would be reduced saving untold millions of dollars of damage to all kinds of vehicles. Something about the darkness being partly to blame. Not many deer around these parts, but this is certainly food for thought.