Two deer’s one night twenty miles apart.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 23, 2011

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Insurance Question from Graham, TX

Asked on 01/23/2011

Two deer’s one night twenty miles apart. At about 10:30pm I was driving down a road when a deer ran out in front of me. It went under the SUV and tore up my front bumper. There was no phone service and no people so I drove the 20 miles into town. IN town another deer ran into me on the driver side front bumper... Now GEICO says that I have two claims, two deductibles on the same bumper. Is this correct? And can I fight it?

Answer given on January 25, 2011

Unfortunately, the insurance company is correct.  These are two separate incidents, so the deductible will apply twice to the damage.  It may be difficult to determine exactly what damage happened on which loss, but it sounds like the first deer caused underside damage and the second caused greater damage to the bumper.

When you get the estimates make sure the adjuster is clear as to what happened on each claim so he/she can make a fair determination of the damage. It’s possible that the damage caused by the first deer was sufficient to cause the bumper to need replacement, and most of the damage may fall under that claim.  It may work out that the 2nd claim doesn’t really affect the settlement on the first, with the majority going to the first claim. You may be able to find a body shop that can work with the total funds you receive to make all the repairs using only one deductible. 

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