Minnesota is abundant with wildlife, which is one of the many reasons why our state is so special. However, this also means drivers need to be extra cautious, as sharing the road in Minnesota often involves more than just other vehicles on the road. Deer, raccoons, and even the occasional wandering moose can suddenly appear in your path. Despite careful driving, accidents can happen. For many, the thought of colliding with wildlife is distressing, not only because of potential damage to the vehicle but also due to the emotional impact of harming an animal.

How Coverage Can Help

Most standard auto insurance policies distinguish between collision coverage and comprehensive coverage. Here’s the key: accidents involving wildlife almost always fall under comprehensive coverage. This means if you hit a deer, swerve to avoid a raccoon, or discover damage caused by a startled animal, comprehensive coverage typically applies. Understanding this distinction can make a significant difference when evaluating policy options through Brittany Olson Insurance Agency LLC, serving Cloquet, MN.

Dealing with a Wildlife Accident

Accidents involving wildlife can be unsettling. Beyond repairing dents, broken headlights, or more severe damage, there’s the stress of being stranded on a quiet road or the emotional toll of harming an animal. Filing a claim can alleviate the financial burden, but knowing in advance that your policy is designed to cover such scenarios provides reassurance before you even begin your journey.

Having the right coverage, specifically comprehensive protection, ensures that when the unexpected happens, you and your family won’t be left to handle the burden alone. Auto insurance through Brittany Olson Insurance Agency LLC, serving Cloquet, MN, is about more than just cars and numbers. In a state where wildlife is an integral part of daily life, it’s also about compassion, preparedness, and safeguarding the lifestyle we cherish. Contact us today to discover how we can assist you.