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Hit a deer, will insurance go up?

Old 14-Nov-2007, 06:39 PM
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Hit a deer, will insurance go up?

Hey everyone,
My dad was driving in the north part of brampton (around Country Side and Torbram) when he hit a deer coming off a curve. He dented up his driver side door, fender, front bumper, headlight gone, and possibly dissaligned the hood. Now my question is should he report this to the insurance company and pay deductable since it wasn't his fault and no other person was involved? Will this cause his insurance premium to go up? Or should we just pay it off ourselves to not risk having insurance company rape us by increasing rates? FYI; The insurance company is State Farm and car is a 2004 Dodge Caravan.
Thanks in advance.
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Old 14-Nov-2007, 07:20 PM
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you could always call them up and ask them just don t give a name and they wont know or call a competitor.

Im pretty sure a claim is a claim. Some insurers go easy on you the first time but thats it... go shop at a wreckers first you never know... I have seen some new style caravan there before and the parts you need are ez to re and re...
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Old 14-Nov-2007, 08:31 PM
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I doubt insurance will go up since your dad wasn't at fault, the deer is lol. Anyways I would just call up and ask "what if...?"
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Old 14-Nov-2007, 08:57 PM
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It will go up... your dad was driving, and it's not like they can blame another driver for the accident. So it will cause your rates to go up.

It's a Caravan... so I dunno, personally I would say fck it.

Is it a lease or an own? If it's a lease, just get a "Macco" job and call it a day.
You could probably source 90% of the parts yourself cause Caravans are soo popular. Then just get them painted to match your car.

I hit black ice, nothing I could do, hit a pole, Police reports say that the accident was NO FAULT. BUT my insurance company said it was 100% my fault and now I have higher premiums because of it.

Check you policy and unless it's in there and is considered "no fault" then DO NOT call it in.
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Old 14-Nov-2007, 09:10 PM
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you might have a lawsuit
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Old 14-Nov-2007, 10:34 PM
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Insurance won't go up. I just hit a deer in my Mazda a few months ago. It's a not-at-fault claim and comprehensive at that so hopefully lower deductable.
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Old 16-Nov-2007, 02:03 AM
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did u keep the deer,? you u can get some nice steaks off that thing dont even have to hunt for it man!!!
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Old 16-Nov-2007, 10:47 AM
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Happened to my father-in-law in Tweed, and while they waited for the tow truck, they cut up that deer and took it home!
His insurance didn't go up as a result, and they had some nice deer meat for a couple months! LOL
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Old 19-Nov-2007, 11:10 PM
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Update: Talked to my buddy's mom who is an insurance broker and she checked with our insurance before any claim was made and they said they would proceed with it as a not at fault claim which means the will NOT increase our premiums and they even reduced our deductable from $500 - $300. So luckily everything is good now and van is getting fixed at body shop while we ride in the rental for a few days.
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Old 20-Nov-2007, 12:23 AM
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If you hit anything that is a living or non-living thing, it is considered 100% at fault. Slip on ice, water, hit a moose, deer, whatever...100%. Sucks, but it's what insurance companies will look at is you're at 100% fault.
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Old 20-Nov-2007, 08:28 AM
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thats good richy!
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