Does Motorcycle Insurance Cover Wild Animal Damage?

It is common across the U.S. and especially in rural areas for wild animals to venture into the road from raccoons and armadillos to deer and larger wildlife. Unfortunately, these collisions are known to cause serious damage to vehicles on the road. Even if you are parked, animals like birds and squirrels and wreak havoc on your bike.

Fortunately, motorcycle insurance does generally cover damage caused by wild animals. This coverage is known as comprehensive coverage and collision coverage.

Comprehensive coverage provides compensation for damages to your motorcycle caused by fire, wind, hail, lightning, smoke, theft, vandalism, falling objects and more. If a bird attacks your parked motorcycle for example and causes damage, it will likely be covered under this insurance.

Collision coverage, on the other hand, covers damages to your motorcycle caused by a collision with another vehicle or object. If the vehicle is in motion and you collide with a wild animal, damages to your motorcycle may be covered under collision insurance.

If you hit an animal on the side of the road such as a deer or a pet, you should call the authorities. The animal, if dead, will need to be cleaned up. If alive, you should call the nearest emergency vet to have the animal transported and cared for.

What Happens if You are Injured After Colliding with an Animal?
Hitting an animal while driving is dangerous regardless, but it can be especially deadly when you’re on a motorcycle. A drastic collision can toss you and your passenger off of the bike and cause severe injuries.

It is crucial to make sure your motorcycle insurance policy as proper limits for medical payments coverage. Medical payments coverage provides compensation for injures you and your passengers after an accident, no matter who or what causes the accident.

If you and/or a passenger are injured while riding your motorcycle, medical payments coverage can help cover your related medical bills.

After an accident, be sure to: