Daylight Saving Time Ends: Driving Risks and Animal Collision Coverage

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Daylight saving time ends November 1, 2026, in US places that observe it.

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Direct contact with an animal generally falls under comprehensive coverage.

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Swerving into a tree or another vehicle generally involves collision coverage.

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Check each vehicle's coverage, deductibles, and transportation benefits.

Does comprehensive coverage pay for my injuries after hitting a deer?

Comprehensive generally addresses damage to the vehicle. Injury-related coverage depends on other policy sections, state rules, and the circumstances. Ask which medical or injury protections apply.

Will an animal collision automatically raise my premium?

There is no universal result. State rules, claim history, and insurer rating practices affect renewal pricing. Ask how a claim may be treated without assuming that the answer guarantees your next premium.