Car insurance could cover you whether you hit a pet or get into an accident with a pet in the car.
Find The Right Insurance
Let our Perfect Policy Connectors do the work for you!(855) 909-2474Request a free quote
When it comes to car insurance, pets aren’t usually something that comes up unless you’re a pet owner. However, all drivers need to be concerned about hitting pets, whether they’re running on the loose or tucked away in the back seat. In this article, we’ll explore the intersection between pets and car insurance, and whether your pets are covered.
Car insurance can cover pets in some cases, whether you’ve hit a dog or cat or you’ve gotten into an accident with a pet in the car. The term “pet coverage” also applies to wild animals, so the same rules apply if you hit a wild deer as if you hit someone’s pet.
While collision coverage isn’t a legal requirement, it’s part of full coverage. Learn more about full coverage vs. liability.
Let’s dive into the ins and outs of liability and collision coverage, which together make up pet coverage in car insurance.
Collision and liability coverage costs $947.64 a year on average, although the price depends on many factors, including which state you live in. Find your state’s average liability and collision coverage costs below.
|State||Average cost of collision and liability insurance in 2019||Average cost of collision insurance in 2019||Average cost of liability insurance in 2019|
The cheapest state for car insurance pet coverage is South Dakota, which had an average cost of $577.91 a year for collision and liability coverage in 2018.2
Read more about the cost of car insurance.
A limit is the maximum amount your insurance provider will pay in a covered claim.
If you’re in an accident with a pet in the car, your property damage to either your vehicle or your pet may or may not be covered.
In an at-fault accident, collision coverage would still cover your property damage to both your car and your pet (if it had any injuries).
If you weren’t at fault in an accident with your pet in the car, the at-fault party would pay your property damage costs. If the other party lacks insurance or has inadequate insurance, you could get covered under uninsured motorist coverage if you have it. If you don’t have uninsured motorist coverage, you may have to either pay out of pocket for your damages or file a subrogation claim, meaning your insurance carrier would sue the other party to receive damages.
Any car insurance company can provide pet coverage under liability and collision coverage. To find the right one for you, check out our list of car insurance companies.
Car insurance isn’t the only type of insurance that covers pets.
If you are a pet parent, we recommend getting pet insurance, which can cover your pet’s vet bills if they are injured in an accident or otherwise ill.4 Pet insurance is, in a nutshell, health insurance for pets, with coverage for the following:
Whether or not an accident is your fault, pet insurance can cover your pet’s veterinary bills.
Homeowners insurance only covers damage that your pet does to someone else’s property, like if they chew on your neighbor’s curtains. It doesn’t apply to car accidents.
While it’s always a good time to cruise with your beloved best friend, you should take certain precautions to make sure your pet is safe and sound.
That’s everything you need to know about car insurance and pet coverage, but keep reading for even more answers to the questions we’ve come across the most.
Learn more about how car insurance can cover pets.
If the accident was not your fault, car insurance will cover your property damage and medical payments under the other party’s liability coverage. However, if you were being reckless or hit the dog on purpose, car insurance wouldn’t cover you, and you’d be forced to pay for all of the property damage and injuries out of pocket.
Yes, car insurance covers unintentionally hitting a cat under liability and collision coverage.
Yes, insurance covers dog damage. If you hit a dog and it damaged your car, you’d be covered under collision insurance. If someone else’s dog damaged your car in another way, like by chewing up your seats, homeowners insurance could pay for the damages.
These are some pet insurance companies with coverage for pet dogs:
Get quotes for each pet insurance plan and review the terms and conditions before settling on a provider.
2018/2019 Auto Insurance Database Report. NAIC. (2022).
Average Costs: Veterinary Care. CareCredit. (2022).
Does car insurance cover hitting a dog? Progressive. (2022).
Pet Insurance Buyers Guide: 5 foolproof steps for finding the right plan. Nationwide. (2022).
5 Easy Tips for Keeping Your Dog Safe in the Car. Rover.com. (2019, Dec 11).
Does Your State Require Dogs Be Harnessed in the Car? Orvis. (2021, Jul 30).