gantrules Posted April 7, 2005 Share Posted April 7, 2005 I hit a deer last night and did a significant amount of damage to the vehicle. Do I need to get a police report filled out in order to report it to the insurance carrier? It's not my vehicle......it's my father's and he's away until tomorrow. I may not be alive after he gets home.... Link to comment Share on other sites More sharing options...
PIZ Posted April 7, 2005 Share Posted April 7, 2005 You shouldn't. Does he have full coverage? Are you on his insurance? Link to comment Share on other sites More sharing options...
TheManTheMythTheLegend Posted April 7, 2005 Share Posted April 7, 2005 Give me a month, and I'll be able to save you about 15% on that insurance... Seriously, though, that sucks, and I would probably let the police know.. Link to comment Share on other sites More sharing options...
gantrules Posted April 7, 2005 Author Share Posted April 7, 2005 No, I'm not on his insurance. Does that mean it's not going to cover the damage? Link to comment Share on other sites More sharing options...
Ramius Posted April 7, 2005 Share Posted April 7, 2005 No, I'm not on his insurance. Does that mean it's not going to cover the damage? 298343[/snapback] insurance follows the vehicle...so his insurance will cover it...the bigger question will be whether of not YOUR health insurance will cover what hes going to do to you... Link to comment Share on other sites More sharing options...
UConn James Posted April 7, 2005 Share Posted April 7, 2005 I hit a deer a while back (literally came out of nowhere, one bound right to the middle of the road) but it only did some damage to the grill, radiator and the lights, which are ironically the most expensive single part on a car outside of the engine. Didn't report it to insurance b/c it was mostly cosmetic and not worth higher premiums. If it's extensive damage, you probably should report it. I'd suggest you call your father and break it to him right away (and say a few times, "The important thing is no one was hurt" so he can see the big picture if he's easily thralled by such occurances). Don't wait until he gets home if there's any way you can reach him; learning bad news over the phone is much easier than walking up the drive and seeing a totaled car. Not being informed right away pisses people off, especially fathers. You can ask what steps to take and describe the damage, etc. and see what to do. I'm not sure if you have to have a police report in this circumstance. Waiting won't help, tho. Call your dad and see what the protocol is. Link to comment Share on other sites More sharing options...
IDBillzFan Posted April 7, 2005 Share Posted April 7, 2005 insurance follows the vehicle...so his insurance will cover it...the bigger question will be whether of not YOUR health insurance will cover what hes going to do to you... 298357[/snapback] The bigger question is...what did you do with the deer? If you didn't do terrible damage to him, I wonder if we can salvage some of the meat. I'm thinking venison chili. Have a bowl waiting for your dad when he gets home, and give him the old..."Dad...I have good news and bad news. The good news is, I made you venison chili from scratch..." Link to comment Share on other sites More sharing options...
UConn James Posted April 7, 2005 Share Posted April 7, 2005 The bigger question is...what did you do with the deer? If you didn't do terrible damage to him, I wonder if we can salvage some of the meat. I'm thinking venison chili. Have a bowl waiting for your dad when he gets home, and give him the old..."Dad...I have good news and bad news. The good news is, I made you venison chili from scratch..." 298360[/snapback] Ehh... My experience didn't result in venison in the freezer, and my family is like Swiss Family Robinson in that regard. I don't know how roadkill tastes or what it does to the meat. Anybody ever uhh, salvage a deer? Link to comment Share on other sites More sharing options...
Thailog80 Posted April 7, 2005 Share Posted April 7, 2005 Get the report. By law in most states if the damage is over five hundred dollars a report is needed. CYOA Ray. Link to comment Share on other sites More sharing options...
stuckincincy Posted April 7, 2005 Share Posted April 7, 2005 After the collision, poor Bambi likely had internal organ damage, bleeding, all sorts of vile things oozing here and there. Consuming road kill is not a good idea. Link to comment Share on other sites More sharing options...
TheManTheMythTheLegend Posted April 7, 2005 Share Posted April 7, 2005 all sorts of vile things oozing here and there 298382[/snapback] TBD's new trademark? Link to comment Share on other sites More sharing options...
The Tomcat Posted April 7, 2005 Share Posted April 7, 2005 I hit a deer last night and did a significant amount of damage to the vehicle. Do I need to get a police report filled out in order to report it to the insurance carrier? It's not my vehicle......it's my father's and he's away until tomorrow. I may not be alive after he gets home.... 298334[/snapback] If there were no injuries you don't need a police report as long as it is obvious that you hit a deer. The insurance company is going to want to know it actually was a deer and not that you fell asleep at the wheel and went off the road and hit a tree. Assuming you have COMPREHENSIVE insurance it will be covered less the deductible. You should offer to pay that to your dad if you have one. The insurance adjustor will look for deer hair and blood on the car as proof. If thats not obvious you may want to call the police and let them know just to cover your ass. You should write down what happened on a piece of paper and possible take some photos should you need to prove the deer story. If the car is left out in the rain it may wash evidence away and if your not telling your insurance company for a few days you should think of this. If you not listed on your parents policy it will still be covered. I would suggest that you tell your dad asap and get it reported. Unless your going to try to get it fixed and not tell the insurance company. I can't stress enough about having deer hair or blood on the car when the adjustor comes to look at it. good luck.... Link to comment Share on other sites More sharing options...
gantrules Posted April 7, 2005 Author Share Posted April 7, 2005 I'd let my father know...but he's away on a cruise. That's gonna be a great icebreaker when I pick them up from the airport tomorrow. My grandmother told me to tell him if he was worth a damn as a hunter he would of shot that deer during the season and then I wouldn't have hit it. I've got deer hair stuck in to the cracks of the damage that was done. I felt awful for the deer. The damn thing flew about 10 feet in the air and about 50 yards away from the car. It died on the spot. Kicked and shook for a minute and then just died. I will definately pay the deductible. Link to comment Share on other sites More sharing options...
erynthered Posted April 7, 2005 Share Posted April 7, 2005 I I felt awful for the deer. . 298410[/snapback] Screw the Deer, you're lucky YOU were not killed. Link to comment Share on other sites More sharing options...
Dan Gross Posted April 7, 2005 Share Posted April 7, 2005 The good news is that car-deer is considered "no fault," so it shouldn't raise his rates (at least if he's with the right company). In fact, if he has any sort of "accident free" discount, he should still maintain that. That's at least been my experience with my insurance carrier with 2 deers worth of experience. Get the report. Certain states do require it if the damage is over $500. I believe that's intended to prevent insurance fraud. Call the insurance company and report it as well. Link to comment Share on other sites More sharing options...
elcrusho Posted April 7, 2005 Share Posted April 7, 2005 it's my father's and he's away until tomorrow. I may not be alive after he gets home.... 298334[/snapback] Seriously though that sucks... "Relax, My old man is a television repairman, he's got this ultimate set of tools. I can fix it." Link to comment Share on other sites More sharing options...
HurlyBurly51 Posted April 7, 2005 Share Posted April 7, 2005 The good news is that car-deer is considered "no fault," so it shouldn't raise his rates (at least if he's with the right company). In fact, if he has any sort of "accident free" discount, he should still maintain that. That's at least been my experience with my insurance carrier with 2 deers worth of experience. Get the report. Certain states do require it if the damage is over $500. I believe that's intended to prevent insurance fraud. Call the insurance company and report it as well. 298418[/snapback] It's also about frequency. Get enough "no faults" and your risk rating will still change, affecting your rates. If this is the only accident he should get a flier. Link to comment Share on other sites More sharing options...
sweet baboo Posted April 7, 2005 Share Posted April 7, 2005 If there were no injuries you don't need a police report as long as it is obvious that you hit a deer. The insurance company is going to want to know it actually was a deer and not that you fell asleep at the wheel and went off the road and hit a tree. 298387[/snapback] or a jogger or hitchhiker Link to comment Share on other sites More sharing options...
Movinon Posted April 7, 2005 Share Posted April 7, 2005 Seriously though that sucks... "Relax, My old man is a television repairman, he's got this ultimate set of tools. I can fix it." 298493[/snapback] Fast Times - My exact thoughts Link to comment Share on other sites More sharing options...
mead107 Posted April 7, 2005 Share Posted April 7, 2005 what time did it happen ? anyone in the car with you ? i do belive in ny you are to call the police . call your dads agent and ask him what to do . Link to comment Share on other sites More sharing options...
USMCBillsFan Posted April 7, 2005 Share Posted April 7, 2005 I hit a deer and was told it is considered "an act of nature" and had absolutely no effect on my premiums. I only had to pay a 100 dollar deductable and the car looked as good as new. I did get a report and my insurance WAS Geico. Fugg them, I dumped them when I moved because they tried to screw me on home owners insurance. Link to comment Share on other sites More sharing options...
gantrules Posted April 7, 2005 Author Share Posted April 7, 2005 what time did it happen ? anyone in the car with you ? i do belive in ny you are to call the police . call your dads agent and ask him what to do . 298599[/snapback] 8pm last night. No one was in car with me. Unfortunately I can't call my dad's agent because I have no clue who it is and he's out of town. I'm going to go rummage through their house tonight and see if I can find it. Link to comment Share on other sites More sharing options...
stuckincincy Posted April 7, 2005 Share Posted April 7, 2005 8pm last night. No one was in car with me. Unfortunately I can't call my dad's agent because I have no clue who it is and he's out of town. I'm going to go rummage through their house tonight and see if I can find it. 298815[/snapback] Perhaps the info is in the glove box. Many states require proof of insurance to register a vehicle, and that that info must be carried while the vehicle is operated. Link to comment Share on other sites More sharing options...
col_forbin Posted April 7, 2005 Share Posted April 7, 2005 I hit a huge buck on I-40 one night coming back from a Phish show. I did not file a police report, and the buck did about 2 grand worth of damage. Insurance covered all of it except the deductible. Scared the sh*t out of me, I'm just glad I was in a blazer. Those things can kill you if you are not in a big vehicle. Link to comment Share on other sites More sharing options...
Stussy109 Posted April 7, 2005 Share Posted April 7, 2005 You don't need a police report... Link to comment Share on other sites More sharing options...
Tux of Borg Posted April 7, 2005 Share Posted April 7, 2005 Break out the bondo/fiberglass and hope nobody notices. It usually takes me about a day (and a case of beer) to do bodywork on a car Link to comment Share on other sites More sharing options...
gantrules Posted April 15, 2005 Author Share Posted April 15, 2005 Just wanted to follow up on this. I told my mother when she was flying in what happened, she told him BUT he thought it was his truck. So when I got to the airport to pick them up in the truck he says to me "alright which side door can't be opened"...I said "it's not the truck it's the car" and I swear to god you could see 10 lbs come off his shoulder.....I'm still wondering if my mom didn't just do that to get him to realize it wasn't that bad. Anywho, it was covered under comp through their insurance. $2800.00 in damage. I paid the deductible which was only $200.00....and I'm alive. Link to comment Share on other sites More sharing options...
The Tomcat Posted April 15, 2005 Share Posted April 15, 2005 You see...Honesty does work... Glad to hear you paid the deductible.....Your dad will respect you for that. Link to comment Share on other sites More sharing options...
The Poojer Posted April 15, 2005 Share Posted April 15, 2005 whatever you do not say you swerved to avoid the deer, that can come back to bite you. friend of mine said she swerved to avoid the deer, insurance company said it was recless driving that she swerved. be careful what you say because insurance companies do not want to pay and they will turn everything around on you!!!! I hit a deer last night and did a significant amount of damage to the vehicle. Do I need to get a police report filled out in order to report it to the insurance carrier? It's not my vehicle......it's my father's and he's away until tomorrow. I may not be alive after he gets home.... 298334[/snapback] Link to comment Share on other sites More sharing options...
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