Why accident with animal is a non-collision loss?


Auto policies mostly come with a higher deductible for collision than for “other than collision” losses (OTC or comprehensive coverage). Insurance companies know that you will have a greater opportunity to avoid accident with other vehicles or objects than with free-moving animals that react unpredictably to lights, motion, and sound. So by treating collision with an animal as a non-collision loss, a lower deductible will apply, hence it is good for you (courtesy insurance companies).

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