California is a non-no fault collision state, meaning that in the case of an accident, somebody must be found liable for damages caused. However, in the case of a collision with an animal, even though it might not have been your intention to hit the animal because it likely came out of nowhere, you will still be found liable for causing the accident.
This means that you will file an insurance claim against yourself. If you have comprehensive coverage, this may cover the damages cause by the animal collision. If you don’t have comprehensive coverage, but have personal injury insurance, also known as med pay, this can cover the costs of your injuries as well.
Before you speak to an insurance agent, it’s important to get an expert legal team on your side to ensure that you are not short handed compensation.