🐘Insurance in the Event of a Collision with an Animal

How to Protect Yourself Without Overpaying for Comprehensive Auto Insurance

In Lithuania, animals on the roads are certainly not a rarity. Every year, there are hundreds of traffic accidents in which cars collide with roe deer, wild boars, or elk. Such collisions happen in the blink of an eye—the animal runs out onto the road, there’s no time to brake, and the damage to the car—or even to people’s health—can be very serious.

Many drivers mistakenly believe that only comprehensive auto insurance (KASKO) provides protection against collisions with animals, but this is not true. Today, more and more insurance companies offer the option to add additional coverage against collisions with animals to compulsory civil liability insurance (TPVCA). This means that you can insure yourself against such events even without an expensive COMPREHENSIVE AUTO INSURANCE, simply by selecting the additional option.

Why should you consider protection against collisions with animals?

Lithuania is home to an abundance of wildlife—roe deer, wild boars, elk, and foxes often cross roads near forests or fields. The most dangerous times are spring and fall, when animals are migrating, as well as in the evenings and early mornings, when visibility is poorer.

A collision with an animal usually happens suddenly. Although the damage may seem minor, even a slight impact can dent the hood, deploy the airbags, or shatter the headlights—and the repair bill often runs into the thousands of euros.

And although mandatory insurance covers damage caused to another person, you’re still responsible for the damage to your own car. That’s why it’s worth considering additional coverage against animal damage, which can be added to your liability insurance—it’s a cost-effective yet efficient solution.

How does the animal damage coverage under a personal property insurance policy work?

When purchasing compulsory civil liability insurance (TPVCA), most insurance companies offer additional coverage options that can be selected for a small fee. One such option is coverage for collisions with animals.

This means that if you have a collision with a deer, a wild boar, a dog, or another animal and your car is damaged as a result, the damage will be covered—even if you only have liability insurance.

This additional option applies to:

• in the event of a collision with wild animals (roe deer, elk, wild boars, etc.);

• sometimes—even with pets (dogs, cats);

• Most often—throughout the entire territory of Lithuania, both during the day and at night.

In other words, it’s like a “mini comprehensive insurance” policy for a nominal fee—coverage that can save you hundreds or even thousands of euros.

How much does this additional protection cost?

For many drivers, the biggest question is: Is it expensive? No. Additional coverage against collisions with animals usually costs just a few or a dozen euros a year, depending on the insurance company.

This means that even with a smaller budget, you can get the same level of coverage that was previously only offered by comprehensive auto insurance policies.

This solution is particularly suitable for owners of older cars who Comprehensive Auto Insurance It's just not worth it.

What should you do if you do end up hitting an animal?

1. Stop the car and turn on the hazard lights.

   Make sure that you and your passengers are safe.

2. Do not approach the animal.

   He may be injured and dangerous.

3. Call the police.

   This is important—only a police report confirms the incident and allows you to receive an insurance payout.

4. Record the incident.

   Take photos of the scene, the damage to the car, and any animal tracks—all of this will help prove the circumstances of the incident.

5. Contact your insurance company.

   If your auto insurance policy included coverage against damage caused by animals, the insurance company will cover the repair costs in accordance with the terms of the policy.

What does this additional coverage cover?

Additional coverage against damage caused by animals under a personal property insurance policy typically covers:

• car repair costs following a collision;

• transportation (tow truck) costs following the incident.

It is important to know that compensation is paid only when the incident has been reported to the police, so always call the police, even if the damage seems minor.

Why is this protection so important today?

• The number of animals on the roads is increasing.

  Due to climate change and the expansion of the road network, they are increasingly crossing major highways and regional roads.

• Comprehensive auto insurance is getting more expensive.

  Not everyone can or is willing to pay hundreds of euros a year for comprehensive insurance.

• Civil Liability with Additional Coverage—A Smart Choice

  A low price, but real financial benefits in the event of a disaster.

• Very few people know about this.

  Many drivers don't even realize that this type of coverage can be added to their standard insurance policy.

How do I add pet coverage to my personal insurance policy?

It's very simple:

1. After entering the information in the insurance calculator and choosing the best insurance plan.

2. Select the additional option "Coverage for collisions with animals"

3. Pay for civil liability insurance with this coverage.

4. You'll receive the policy with additional coverage immediately by email.

In just a few minutes, your car will be protected not only against typical traffic accidents, but also against damage caused by animals.

When is this protection particularly worth noting?

• You drive on country roads or through the woods.

• You have a car for which comprehensive insurance isn't worth it because of its age

• You want to have at least some financial protection at a low cost.

• You often travel early in the morning or late at night.

In this case, additional protection against animals is an inexpensive but very smart solution.