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6 Oliver Road, Suite 118
Uniontown, PA 15401

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Uniontown Drivers: What to Do After a Collision with an Animal

Uniontown’s roads are surrounded by nature, which means wildlife collisions are a real possibility for local drivers. Deer and other animals are common in the area, and accidents can happen quickly. Todd Lorenzi Insurance is here to help Uniontown drivers understand what steps to take after a collision with wildlife and how auto insurance can help cover the damage.

Steps to Take After a Wildlife Collision

If you hit an animal while driving, it’s important to act quickly and safely. Here’s what Uniontown drivers should do:

  • Move your vehicle to a safe spot: Pull over to the side of the road to avoid blocking traffic.
  • Check for injuries: Make sure everyone in your vehicle is unharmed before inspecting the damage.
  • Document the damage: Take photos of your vehicle and the scene to use when filing an insurance claim.
  • Contact local authorities: If the animal is creating a hazard, notify law enforcement or animal control.

How Auto Insurance Can Help

Wildlife collisions can cause serious damage to your vehicle, including broken headlights, dents, or even engine issues. Comprehensive auto insurance covers these types of accidents, helping Uniontown drivers avoid expensive repair bills. Todd Lorenzi Insurance offers policies that include coverage for animal-related incidents, so you can stay protected on the road.

Tips to Avoid Wildlife Collisions

While accidents aren’t always preventable, there are steps you can take to reduce the risk:

  • Drive carefully during dawn and dusk, when animals are most active.
  • Use your high beams in rural areas to spot animals sooner.
  • Slow down in areas with deer crossing signs or heavy vegetation near the road.

Protect Yourself Before the Unexpected Happens

Wildlife collisions are a common risk for drivers in Uniontown. Contact Todd Lorenzi Insurance to learn more about comprehensive auto insurance options. With the right coverage, you can drive with confidence knowing you’re prepared for the unexpected.

Introduction to Pennsylvania Auto Insurance Requirements

In Pennsylvania, the state sets separate auto insurance requirements from the other 49 states. Each state differs, and Todd Lorenzi Insurance wants you to understand what the state of Pennsylvania requires of each driver’s insurance policy, plus what insurance companies must include in any quote.

Pennsylvania’s Requirements for Auto Insurance

Pennsylvania’s minimum legally required auto insurance only covers your liability to others on the road. That means the insurance that the state government requires only covers damage that you cause if you cause an accident. Your auto insurance policy must contain 15/30/5 coverage, meaning:

  • Bodily injury coverage in the amount of $15,000 per person per accident
  • Bodily injury coverage in the amount of $30,000 for all persons per accident
  • Property damage coverage in the amount of $5,000 per accident.

You can add to that coverage to protect yourself from expensive medical and vehicle repair bills from single-vehicle accidents.

Optional Auto Insurance Coverage

The state government decides what types of auto insurance coverage insurance companies can offer. It also determines whether the state will function as a fault or no-fault state. Pennsylvania chose to be a no-fault state, so in each accident, the police determine who caused the accident, and that person incurs the fault. Those harmed in the accident file a claim with the at-fault driver’s insurance company and may take the driver to court.

Collision Coverage

In a single-vehicle accident, when the driver strikes a fence, garage door, mailbox, etc., they incur the fault. Collision coverage pays for the damage. This optional coverage also pays for collisions with animals, such as deer. This coverage includes a deductible that you pay before the insurance kicks in to pay for repairs. You set the deductible.

Comprehensive Coverage

Comprehensive coverage handles vehicle damage caused by unexpected events, such as a tornado, fire, or protest. This type of coverage also pays for vandalism and theft.

Medical Payments (MedPay) Coverage

MedPay pays for your medical bills, either directly to the medical provider or as a reimbursement to you. It also covers your health insurance deductible.

Uninsured Motorist Bodily Injury (UMBI)

Uninsured motorist bodily injury (UMBI) pays for your medical expenses and necessary rehabilitative therapies if an uninsured or underinsured motorist causes an accident that injures you. In Pennsylvania, insurance companies must include bodily injury coverage for uninsured motorists in any quote they provide to you. The state government requires this of each insurer, but you can reject the coverage in writing.

Contact Us Today

Don’t go another minute without the auto insurance you need. Contact Todd Lorenzi Insurance, serving Uniontown, PA, and let us help you create a policy that fully protects you.

Partner Carriers

  • AIC
  • American Modern
  • American National
  • Assurity
  • Cincinnati Life
  • Foremost
  • Frederick Mutual
  • Global Atlantic
  • Hagerty
  • Lincoln Financial
  • Nationwide
  • Progressive
  • Safeco
  • Sagicor
  • Travelers
  • Universal Property & Casualty