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If i only have liability insurance and totaled vehicle avoiding a deer what is covered by my auto insurance policy
Anonymous2 views4 answers
Brainerd MN Hwy driving home north on Hwy #210 car in front of me swerved to the left, and there was a dead deer in the middle of my north bound lane. I swerved right instead of left into oncoming traffic and went into ditch and rolled 3 times totaling my 2004 Honda CRV.
My passenger suffered a cut on his arm that required 7 stiches other than that we were alright. The person who originally hit deer was not around. Will my insurance cover my vehicle? If not what other recourse do I have? Thank you and look forward to hearing from you.
L. Maxwell TaylorLitigation LawyerMiddlebury, VT ·
The facts you describe do not suggest to me that the driver in front of you was negligent. What I understand you to say is that swerving to avoid a dead deer caused you to steer your car into a ditch. You and your passenger were not seriously injured, but your car was totaled.
Celebrate your avoidance of serious injury. If you don't have collision coverage, and no one else is liable for causing your accident, you and you alone must bear the consequences of the wreck. Meaning, I know of no way for you to get compensated for your wrecked vehicle. This accident was caused by a dead deer in the road, not by another driver's negligence, as you explain it.
Not legal advice as I don't practice law in Minnesota. It's just my two cents on the facts you describe in light of general principles of law. If you need legal advice, please consult a lawyer who holds Minnesota licensure. That's not me.
Lars A. LundeenPersonal Injury LawyerRutland, VT ·
Your passenger's claim against you will be covered by your liability insurance. If you have Medical Payments or PIP coverage under your policy, that could pay for any medical bills you or your passenger sustained as a result of the incident. Your insurance company will not pay for your vehicle loss if you only have liability coverage. You would need to have collision or comprehensive coverage to help pay for this type of damage to your vehicle.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
