Animal Collisions Claim Guide

🦌 What to Do If You Hit an Animal: Insurance Claim Guide for Saskatchewan Drivers

📸 Step 1: Document the Scene

• Take clear photos of:
• Vehicle damage (bumper, hood, windshield, lights)
• The animal (if still present)
• Road conditions and surroundings
• Record:
• Date and time of the incident
• Exact location (GPS coordinates or nearest intersection)
• Weather and visibility conditions

📞 Step 2: Report the Collision

• Call local police or RCMP to report the incident.
• Request a case number or report reference.
• If the animal is blocking traffic or poses a hazard, notify Saskatchewan Highways or local wildlife services.

📁 Step 3: File Your Insurance Claim

• Contact SGI or your insurance provider as soon as possible.
• Provide:
• Photos of the damage
• Police report number
• Vehicle registration and driver’s license
• Ask about:
• Comprehensive coverage for animal collisions
• Deductible amount
• Whether the vehicle will be repaired or written off

🧠 Tips for a Smooth Claim Process

✅ Do:

• Stay calm and factual
• Keep all documentation organized
• Ask for a claim reference number
• Follow up regularly

❌ Don’t:

• Leave the scene without documentation
• Attempt repairs before inspection
• Assume coverage without confirmation

🔧 Need Help with Repairs?

Find trusted SGI-accredited autobody shops and towing services across Saskatchewan. All Shops Finder connects you with professionals who specialize in wildlife collision repairs.

📸 Suggested Image

• Include a realistic photo of:
• A damaged vehicle on a rural road with a deer nearby or in the background
• Alt text: “Vehicle damaged after deer collision on Saskatchewan highway”

⚠️ Special Considerations for Animal Collision Claims

While comprehensive coverage typically includes a deductible and may not cover rental reimbursement, some insurers offer deductible waivers and loss of use benefits specifically for animal collision claims. These perks are not guaranteed—they depend on your provider’s internal policies and provincial insurance regulations.

🧾 What to Ask Your Insurance Broker

• Before purchasing or renewing your policy, ask:
• Does my comprehensive coverage include deductible waivers for wildlife collisions?
• Will I receive a rental vehicle or alternate transportation while my car is being repaired?
• Are there any seasonal limitations or regional exclusions for animal-related claims?
• How does SGI handle wildlife vs. domestic animal collisions?

💡 Pro Tip

• Coverage terms can vary widely between insurance companies. Always discuss animal collision scenarios with your broker in advance to understand:
• What’s covered
• What’s excluded
• What benefits may apply in your region
• This proactive step can save you time, money, and stress when the unexpected happens.