Hit a deer

If you have comprehensive coverage and any reasonable proof that it was a deer strike, then you should pursue a claim.

The deer fur counts towards reasonable proof, so keep it.

 

File a claim and find out.

Even if they won't cover it a trip to the junkyard for a hood, headlight, and right fender shouldn't set you back too much. You might have to search for a while to find the same color though. For the hood check that the hinges aren't also bent. (I once had a car that had been in a minor crash before I bought it. They replaced the hood but didn't replace the hinges, so the new hood, even though it was undamaged, did not sit straight.)

Not clear to me that the bumper cover cannot be fixed by pushing out the dent from the other side.

The pictures are a little too close. Please post one from further back, it is hard to appreciate the extent of the fender and hood damage.

 

0we 7300 on an '08 car in 2023 holy Jesus. I'm so sorry to hear that holy cow

 

I used a heat gun on my front bumper and pushed it out from the inside. There are youtube videos on it.

 

Sounds like it just comes down to whether you elected to get comprehensive coverage in addition to liability coverage.

 

Isn't it collision, not comprehensive coverage though?

Posted via the PriusChat mobile app.

 

Nah, collision is for when you swerve to avoid the deer and crash into another car, or tree or guardrail or something. In other words, you lost control of your car, leading to a crash.

Comprehensive is for "non-traffic events" meaning bad things that didn't really have anything to do with the driver or operating conditions. Trees falling on it, floods, somebody stealing your catalytic converter, and for when wildlife damages your car.

In insurance industry terms, the deer hits your car- not the other way around. You never had control of the deer in the first place. Kind of weird, but that's how they do it.

Nerdwallet gives a pretty good guide, if you care to go read.

 

Body damage can be ridiculously expensive to fix. You’re looking at a 4 figure repair bill for sure, but whether that’s enough to total the car or not is anyone’s guess. Insurance companies don’t publicize their actuarial tables.

 

Could you not get it repaired outside of insurance for cheaper?

 

for sure anyone here in the Prius Chat forum are certified insurance adjusters who can answer your question correctly.

if you're asking if it can be fixed DIY then yes, it can be done cheaply. Talk to your insurance agent to get an accurate answer and not just wild guesses. We really don't know what kind of insurance you have (is just liability only or comprehensive/collission)