{"id":7048,"date":"2023-05-15T05:37:00","date_gmt":"2023-05-15T05:37:00","guid":{"rendered":"https:\/\/www.costulessdirect.com\/blog\/?p=7048"},"modified":"2023-05-15T20:50:29","modified_gmt":"2023-05-15T20:50:29","slug":"car-insurance-for-wildlife-attacks-in-california","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/car-insurance-for-wildlife-attacks-in-california\/","title":{"rendered":"Make Sure You\u2019ve Got Adequate California Car Insurance Before the Next Wildlife \u201cAttack\u201d\u00a0<\/strong>"},"content":{"rendered":"\n

Californians have enough to worry about with high housing costs, the highest gas prices in the nation, wildfires, drought, and flooding. (Yes, we get both of the last two, seemingly simultaneously.) Don\u2019t forget to add car-wildlife collisions to your Golden State concerns list. <\/p>\n\n\n\n

No, don\u2019t be overly worried about car accidents with animals \u2014 as long as you have adequate auto insurance coverage<\/a>. Just keep both eyes peeled and drive safely. We\u2019ll explain why that\u2019s so important in our state. <\/p>\n\n\n\n

Yes, the Wildlife Really Does Damage Our Rides in California<\/strong> <\/h2>\n\n\n\n

It\u2019s nothing they do on purpose. In fact, we\u2019re pretty sure that all the state\u2019s deer, cougars, bears, coyotes, and other wild animals, large and not quite so large, would do all they could to avoid a collision<\/a> with your vehicle. The problem is that avoidance isn\u2019t always possible. <\/p>\n\n\n\n

Between the years 2016 and 2020, for instance, the California Highway Patrol reported<\/a> more than 44,000 wildlife-car collisions<\/a>. The cost? About $1 billion to the state. <\/p>\n\n\n\n

That\u2019s why it\u2019s so important that you have the right kind of California car insurance coverage to financially protect you against car accidents with animals. <\/p>\n\n\n\n

What Wild Animals Are Most Involved in California Collisions With Vehicles?<\/strong> <\/h2>\n\n\n\n

You\u2019ve got your choice. One thing that\u2019s great about this state is its vast diversity of topography, climate, flora, and fauna. <\/p>\n\n\n\n

Depending on where you live and drive in California, you might experience huge cities, nosebleed-altitude and snowy mountain peaks, farm fields as far as the eye can see, vast and forlorn desert vistas, beaches, or a range of other landscapes. Each comes with its own wildlife. <\/p>\n\n\n\n

You\u2019re not likely to collide with a black bear while caught in LA traffic, but that doesn\u2019t mean you won’t encounter anything bigger than a squirrel. Darting coyotes can be a concern in the more densely populated southern parts of the state. Even mountain lions(!) cross roads here whenever they feel like it, and they’ve been known to cause especially costly accidents with quite surprised city drivers. <\/p>\n\n\n\n

Despite all this exotic wildlife, most California wildlife collisions are with the common mule deer. One reason is that you can find this breed just about everywhere in the state. Civilization continues to encroach on more and more of its living and breeding spaces, and the deer tend to dart into roadways when startled. <\/p>\n\n\n\n

What that means is that you and your passengers must always use seat belts, drive cautiously and within the posted speed limit, and stay alert and focused at all times. <\/p>\n\n\n

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\"Deer <\/picture><\/figure><\/div>\n\n\n

But I Have Insurance, So I\u2019m Safe. Right?<\/strong> <\/h2>\n\n\n\n

It depends. What kind of coverage do you have? <\/p>\n\n\n\n

Many drivers save money by buying the minimum legal level of California car insurance<\/a>. That level is called liability coverage. <\/p>\n\n\n\n

This can be a smart decision if you only consider your monthly premiums. After all, the key advantage of liability coverage is that you\u2019ll save money. It\u2019s the cheapest level of auto insurance, and for good reason. This plan offers less in return. <\/p>\n\n\n\n

The purpose of liability coverage is to protect other people and property when you\u2019re in an accident that\u2019s your fault. So, your policy will pay to fix or replace the other vehicle and help with the medical care of others if needed. But it will do nothing for you and your vehicle. <\/p>\n\n\n\n

Imagine your car disabled at the side of the road, the fluids leaking and steaming<\/a> from it after a nearly deserted mountain highway collision with a mule deer. Or a mountain lion, for that matter. The cost of towing your vehicle and getting it repaired (which comes out of your pocket) is thousands of dollars. <\/p>\n\n\n\n

Unless, that is, you have comprehensive protection and roadside assistance. <\/p>\n\n\n\n

Add Comprehensive Insurance for Ultimate Peace of Mind<\/strong> <\/h2>\n\n\n\n

Comprehensive coverage offers protection against car-animal collisions and a whole lot more, such as damage from a hail storm. If you add collision coverage to your package, along with liability, you have what\u2019s known as full coverage.  <\/p>\n\n\n\n

Let\u2019s take a closer look at collision and comprehensive coverage. <\/p>\n\n\n\n

Collision<\/strong> <\/h3>\n\n\n\n

Collision coverage works pretty much like it sounds. If your vehicle hits another, and the accident is your fault, your car insurance company will help to pay the covered damages to both your car and anything else you hit. That might include other vehicles, buildings, fences, and any other property damage. <\/p>\n\n\n\n

Yes, your<\/em> vehicle is financially protected if you have collision coverage. And that\u2019s true even if the accident wasn\u2019t your fault, but the other driver is uninsured, underinsured, or commits a hit-and-run and is never found. <\/p>\n\n\n\n

Comprehensive<\/strong> <\/h3>\n\n\n\n

Comprehensive benefits cover all the other ways your vehicle might be lost or damaged. That includes theft, vandalism, storm damage, or your garage catching fire with your car inside it. All that and so much more. <\/p>\n\n\n\n

But most importantly, comprehensive coverage offers benefits against California wildlife collisions within your coverage limits. <\/p>\n\n\n\n

Now Consider Adding Roadside Assistance<\/strong> <\/h2>\n\n\n\n

We\u2019ve already mentioned the vast topographic contrasts in this state. So, let\u2019s go back to the scenario we previously outlined, featuring the mountaintop collision with an unfortunate mule deer (or mountain lion). You\u2019re stuck on the side of the road with a crumpled fender and an engine that\u2019s at least thousands of dollars away from ever running again. <\/p>\n\n\n\n

What now? <\/p>\n\n\n\n

Adding roadside assistance<\/a> to your California policy means you can call or use an app to get help, day or night. Weekdays, weekends, or holidays. Sunup or sun long down. Someone will always answer and get to work immediately on getting you the help you need. <\/p>\n\n\n\n

Someone will be dispatched to bring you whatever aid the situation calls for, from a few gallons of gas to a battery charge or tire change. In this case, it will mean a tow to the nearest service garage. <\/p>\n\n\n\n

Make Sure You’re Fully Insured with Affordable Car Insurance in California <\/strong> <\/h2>\n\n\n\n

By taking proactive measures, you can protect yourself from the potential of a car accident involving California wildlife. Make sure you have adequate insurance coverage in case of an unexpected encounter with a mule deer, cougar, coyote, or other wild animal. Taking these steps now can save you from potential financial hardship and hassle down the road. <\/p>\n\n\n\n

Call your independent Cost-U-Less car insurance agent at 800-390-4071 for affordable financial protection against car accidents with animals and a whole lot more. <\/strong>Or <\/strong>get a quick quote<\/a> online. You can also find a nearby California office and agent near you<\/a>. <\/p>\n\n\n\n

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Californians have enough to worry about with high housing costs, the highest gas prices in the nation, wildfires, drought, and flooding. (Yes, we get both of the last two, seemingly simultaneously.) Don\u2019t forget to add car-wildlife collisions to your Golden State concerns list.  No, don\u2019t be overly worried about car accidents with animals \u2014 as […]<\/p>\n","protected":false},"author":1,"featured_media":7050,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[698,697],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/7048"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/comments?post=7048"}],"version-history":[{"count":2,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/7048\/revisions"}],"predecessor-version":[{"id":7052,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/7048\/revisions\/7052"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media\/7050"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media?parent=7048"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/categories?post=7048"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/tags?post=7048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}