Car Insurance in Louisiana: What to Know If You Hit an Animal

by | May 31, 2024 | Auto


BAM! You’ve just hit an animal with your car in Louisiana. What now? While animal collisions are relatively rare in the state, ranking 37th in the nation with a 1 in 193 chance of filing a claim in 2023-2024, it’s still important to know what to do if it happens to you.

This blog post will guide you through the essential information you need about insurance coverage for animal collisions in Louisiana. We’ll cover what to do at the scene, how your insurance can help, and more.

Louisiana’s Laws and Regulations Regarding Animal Collisions

Hitting Livestock

In Louisiana, livestock is prohibited from roaming freely on certain roadways.

If you hit a cow, horse, or other livestock in an area where they shouldn’t be, and the owner failed to properly contain them, the owner may be held responsible for the accident.

This means they could be liable for any damage to your vehicle or any injuries you sustain.

Hitting a Pet

Similarly, if you hit a pet due to the owner’s negligence in controlling their animal, the owner may be liable for the damages.

If you have comprehensive coverage, your insurance company will likely reach out to the pet owner’s homeowners insurance to seek compensation for vehicle repair.

It’s important to gather the owner’s contact and insurance information at the scene of the accident to facilitate this process.

Hitting Wild Animals

When it comes to wild animals like deer, there is no owner to hold liable for the accident. In Louisiana, it is illegal to keep a wild animal that you have hit and killed on the roadway. Doing so could result in a ticket for illegal possession of the species.

If you have comprehensive coverage on your vehicle, your insurer may cover the damage caused by hitting a wild animal.

Be sure to review your policy or contact your insurance agent to understand your specific coverage and any deductibles that may apply.

What to Do Immediately After Hitting an Animal

Ensure Personal Safety

First, make sure everyone is okay. Check yourself and your passengers for injuries. If anyone’s hurt, call 911 right away. Safety is always the top priority.

Move the Animal Off the Road

Next, if it’s safe to do so, move the animal off the road to prevent further accidents. If the animal is too large or moving it is not safe, turn on your hazard lights and stay in your car until help arrives.

Call the Authorities

After ensuring everyone’s safety, contact the authorities. They’ll guide you through the next steps and assist with any necessary reports.

Document the Incident

Finally, document everything about the incident. Take photos of the damage to your vehicle and the animal, if it’s safe.

Also, record details such as the date, time, and specific location of the accident. This information will be valuable for your insurance claim.

Remember, the steps you take right after the accident and the coverage you have can make all the difference.

Read Also: How Does Car Insurance Work When You Get into An Accident?

At our car insurance agency, with offices in Lafayette, Baton Rouge, Franklin, Abbeville, and Lutcher, LA, we’re here to help you navigate the ins and outs of car insurance.

Our friendly, knowledgeable Risk Advisors are ready to answer your questions, review your policy, and make sure you have the protection you need.

Don’t wait until it’s too late. Contact us today to discuss your options or fill out the online form below for personalized advice and competitive quotes.