If you hit a deer in Georgia, will you have to pay a deductible and will it make your insurance rates go up if you get your car repaired?
Damage caused to your vehicle by a deer would be claimed under your comprehensive coverage and thus whatever deductible you chose when you purchased the portion of your policy will generally have to be paid. Deductibles have nothing to do with fault; if you use a portion of your policy with a deductible then normally it will be due. There may be some insurance providers that will waive your deductible if you have hit a deer so you can ask your claims adjuster about this.
Whether this sort of claim would cause your insurance to go up will depend upon GA state laws and your insurance company's rating system and guidelines. You can contact the Georgia Insurance Commissioner to see if there are any state laws that dictate if insurance companies can surcharge you or raise your rates for claims stemming from hitting a deer or other wildlife.
Also when placing your claim with your agent, you should discuss if this type of claim will cause your rate to increase. If your rates do rise you may want to shop around for more affordable car insurance. You can start here by getting an auto insurance quote online.
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