Comprehensive Car Insurance Coverage and Sasquatch

By: Angelo Ilumba October 20, 2015
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The Pacific Northwest is known for its lush and beautiful forests. While these forests are a haven for outdoor enthusiasts and photographers, they are also considered the home for one of the world’s most elusive creatures: Sasquatch.

Now, we aren’t going to take sides on this controversial topic. Bigfoot may or may not exist, but for arguments sake let’s say that Sasquatch does exist and he ruined your car.

How would your car insurance cover that damage?

Bigfoot’s Threat to Your Car

Let’s be honest, in this article you can essentially replace “Sasquatch” or “Bigfoot” with any type of wildlife animal, such as a deer.

When You Hit Sasquatch

Hitting a large creature, whether Bigfoot or a deer, can do very significant damage to your car. Related incidents have been known to be so bad that the cars involved were considered total losses.

When Sasquatch Hits You

Most of the time, when people think about animals and their cars, they think about hitting the animal, but it is not unheard of for an animal has charged a perfectly still or parked car.

Let’s say you are driving down some Oregonian road and you spot a sasquatch. Imaging you’re able to stop your car before you run the creature over, and you are left stunned with only the energy left to simply watch the elusive animal. Then without provocation, the beast charges your vehicle and rams right into it, leaving a sizeable dent.

When it comes to large animals like Sasquatch or even a moose, the damage that can occur from a collision or from the animal simply charging your car can be expensive if you don’t have the right auto insurance coverage. 

Comprehensive Coverage and Sasquatch

If you have comprehensive car insurance coverage, the good news is that you are covered for all of the above risks.

When it comes to damages to your car sustained in an animal-related car crash, comprehensive coverage will help with repairs or even replacement of your car, up to its current cash value, if it is damaged beyond repair.

So whether you unfortunately hit Bigfoot, or another animal runs into your vehicle, you are covered.

Comprehensive Coverage Explained

In addition to helping you if your car is damaged in an animal collision, your comprehensive car insurance coverage also helps if your car is damaged by:

  • Fire.
  • Theft.
  •  Vandalism.
  • Severe weather.

Your auto insurance company will help with repairs or replacement of your car up to its current actual cash value. This means you aren’t likely to be able to replace your car new, but you will get a good amount towards your replacement vehicle.

You should also keep in mind that in order to collect on a comprehensive coverage claim, you will be responsible for paying a portion of that claim out-of-pocket.  This out-of-pocket expense is called a deductible.

If you want to learn more about comprehensive car insurance coverage, read our Comprehensive and Collision Insurance page.

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