Wild accident: When does the insurance pay? | life and knowledge

Now in winter accidents accumulate!

In the months of November to February, wild boars go in search of a mate, they are in mating season. In search of a bachelor willing to mate, wild boars even cross roads and highways. The otherwise shy animals can become a hazard to motorists.

BILD reader Viktor Miller (37, bank clerk) from Hanau (Hesse) also discovered this when several large brown animals suddenly jumped in front of his car from the right on the A45 at the end of December. At about 130 km/h, the car collided with a herd of wild boar.

Miller to BILD: “There was a big explosion. I slowed down slowly, then stopped 500 meters later on the shoulder.”

The white BMW 320 diesel is no longer drivable after impact;  The bumper came off, the driver's door was broken.  Viktor Miller stands in front of his empty garage.  It is questionable whether insurance will cover the damage.

The white BMW 320 diesel is no longer drivable after impact; The bumper came off, the driver’s door was broken. Viktor Miller stands in front of his empty garage. It is questionable whether insurance will cover the damage.

Photo: private

When the father of three comes out, the scare: The front and driver’s door of his BMW 320 diesel (190 hp) are dented and dirty. Animal hair stuck everywhere. Fast is clear. This is a wildlife accident, the car can no longer be driven.

Police issued Miller a wildlife accident certificate for his insurance.

Police issued Miller a wildlife accident certificate for his insurance.

Photo: private

Miller alerts the police, receives the so-called wildlife accident certificate, and informs his insurance company. Then the car is towed. An appraisal reveals: total loss! Miller is now awaiting reimbursement from his insurance company.

Miller to BILD: “Unfortunately this has been going on for over two weeks, and with three kids on vacation. Really stupid.”

Drivers need to know that

► Especially during the mating season: always be prepared to brake to avoid accidents with wild animals.

► Keep a safe distance to the right side of the road if a wild animal suddenly runs out of the bush.

If you have eye contact, you should turn off your high beam and honk your horn.

► If a collision is unavoidable, the driver must not avoid it under any circumstances. The danger of running into oncoming traffic or ending up in a tree is usually greater than hitting the hunt.

It is better to brake hard and hold the steering wheel tightly.

That’s what the law says

► Stop after the accident, turn on the emergency lights, put on the high visibility vest. Only then should you exit the vehicle to secure the scene of the accident.

Be very careful if a wild boar has been involved in an accident on the road. Because there, securing the accident site is associated with great dangers.

► Then report to the police that you have been involved in an accident with a wild boar. When reporting, be as specific as possible about where the collision occurred. The police are quicker on site and can alert the responsible person that they are authorized to hunt.

Stay away from wild boar, as injured animals may panic and behave aggressively.

Even if the animal flees injured, you must remain at the accident site, because in this case this is the starting point for the search for the injured animal.

Animal cruelty ad threatened!

Important! If you leave an injured boar after an accident without notifying the authorities/responsible persons, you may face animal cruelty charges.

Who pays the damages?

Serious damage to your own vehicle is ONLY covered by full or partial insurance, not by simple car insurance.

As the policyholder, YOU must present a certificate from the police or hunting renter that it is indeed a wildlife accident case. It can be difficult if the driver has avoided a wild animal and cannot prove it.

► ATTENTION: In the area of ​​comprehensive insurance, the insurance company rarely provides a replacement. That depends on the terms and conditions of the respective insurance company. The reason: There are NO liability damages in the event of a wildlife accident. The result: no rental cars!

Expert tip: Peter Grieble (55) from the Stuttgart consumer center

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