• meco03211@lemmy.world
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      2 days ago

      Fun fact if you hit a living animal in the road it would only be covered under comprehensive insurance. If you hit something like a bear, just to use a completely random animal, because that bear had already been hit by another car (possibly as little as mere minutes before), then it’s covered under collision insurance. Ask me how I know.

      • Mouselemming@sh.itjust.works
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        2 days ago

        When you say “it,” do you mean repairs to the car or to the animal? Like, if I hit a dog, I’m certainly going to get it to a vet if I can, (although the owner would probably rather take it themselves than trust my driving) is my insurance going to pick up the vet bill?

        Oh wait, we’d want more help to the dog than “slap a coat of paint on it.” I better just get out my credit card.

        • meco03211@lemmy.world
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          2 days ago

          Not sure how a dog would be handled. Pretty sure it would fall under property, but might have some extra legalese around it. The it I was referring to in this case was the car. The bear was very unlikely to survive, but it did in fact scamper off. If you recall I said it sounded like I hit a bunch of cinder blocks. Well I got out and went back to try to see if the other driver was alright. Never saw anything in the road. The state troopers didn’t see anything either. The first driver that hit it said it must have been about a 500lb black bear.