Steps to take after hitting an animal: How insurance can help

Accidents involving animals on the road are an unfortunate but common occurrence in the Philippines. With its vast rural areas, frequent pedestrian crossings, and even urban stray animals, collisions between vehicles and animals happen more often than one might think. Knowing how to handle such incidents is crucial, whether it’s a stray dog, a wandering carabao, or a pet that’s gotten loose.

Aside from the immediate emotional stress and possible injury to the animal, there are legal and financial implications to consider. Moreover, insurance plays a significant role in helping manage the aftermath of such accidents, reducing the burden on drivers. This article will explore the steps you must take after hitting an animal in the Philippines and how insurance can provide essential coverage in such situations.

So, let’s get started.

Also Read: Roadside assistance coverage: Meaning, benefits, services & more

1. Ensure safety first

Assess your safety and that of your passengers.

Before anything else, ensure that you and your passengers are safe. If the accident was severe, check for injuries. If your vehicle is in the middle of the road, turn on your hazard lights to warn other drivers of your situation. If possible, move the vehicle to the side of the road to avoid further accidents. Safety is your priority, as the roadside can be dangerous, especially at night or in areas with heavy traffic.

2. Check the animal’s condition

Determine if the animal is alive or deceased.

After ensuring your safety, carefully approach the animal. If it’s still alive, avoid making any sudden movements, as the animal could be injured and may react aggressively out of fear. If the animal is deceased, make a note of its appearance for later reporting.

In the Philippines, dogs, cats, and livestock such as cows and goats are commonly involved in these types of accidents. Identifying whether the animal is a pet or a stray will also help when reporting the incident to the appropriate authorities or owners.

3. Contact the authorities

Report the incident to local authorities or barangay officials.

In any accident involving animals, especially if it's a farm or domestic animal, it's essential to notify the authorities. This is crucial for several reasons:

• Legal protection: In the Philippines, failing to report a road accident can lead to legal consequences. By notifying the authorities, you ensure that the incident is properly documented, protecting yourself from future liabilities.
• Animal welfare: If the animal is still alive, authorities can help contact local veterinarians or animal welfare organizations to assist.
• Insurance claims: Filing an official police report is often required when making an insurance claim after hitting an animal. This document will detail the time, date, location, and nature of the accident, serving as critical evidence when filing a claim.

4. Document the scene

Take photos and gather evidence.

Before leaving the scene, take clear photographs of your vehicle, the road, and the animal. Ensure you capture any damage to your car, as this will help your insurance provider assess the extent of the damage and validate your claim. Also, gather the names and contact details of any witnesses. Having witnesses can corroborate your version of events and help protect you from any disputes over what happened.

5. Determine the animal’s ownership

If the animal is domestic, locate its owner.

In the Philippines, many animals roam freely, especially in rural areas. However, if you hit a domesticated animal like a pet or livestock, the owner may try to hold you responsible for damages or medical costs. Politely inquire with nearby homes or barangay officials to determine ownership. This can help clarify potential liabilities and may also give the owner a chance to take responsibility for the injured animal.

6. Seek veterinary help, if needed

Assist in getting medical help for the injured animal.

If the animal is a pet or livestock and is injured, offer to help the owner take it to the nearest veterinary clinic. In cases involving stray animals, you can contact animal welfare organizations such as the Philippine Animal Welfare Society (PAWS) to assist with the injured animal. Showing compassion during these situations can prevent further distress and may also reduce potential legal conflicts with the animal’s owner.

7. Contact your insurance provider

Notify your insurer about the accident.

After ensuring your safety and documenting the incident, it's essential to contact your car insurance provider as soon as possible. Most car insurance policies in the Philippines cover accidents involving animals, but the exact coverage may vary depending on your plan.

Let’s check out key insurance coverage for animal-related accidents -

• Comprehensive Insurance: This typically covers damage to your vehicle from collisions with animals. Comprehensive coverage is ideal for accidents that involve unpredictable factors like stray animals on the road.
• Third-Party Liability (TPL): If the animal is owned by someone, and they demand compensation for veterinary treatment or the loss of livestock, TPL insurance may help cover these costs. In the Philippines, having third-party liability insurance is mandatory, and it can serve as a valuable asset in these situations.

Make sure to provide your insurance company with all the necessary information, including the police report, photographs, and witness statements, to process your claim efficiently.

Also Read: Is collision insurance right for you? Here’s what you need to know

8. Know the legal implications

Understand your legal responsibilities and rights.

In the Philippines, road accidents involving animals are handled differently depending on whether the animal is considered a stray, domestic pet, or livestock.

• Stray animals: If you hit a stray animal, you may not be legally responsible for its medical care, but reporting the incident is still a must. Failure to report could lead to hit-and-run charges, which come with severe penalties.
• Domestic animals or Livestock: If the animal has an owner, the situation becomes more complicated. Depending on the circumstances of the accident, you may be held liable for damages, especially if you were driving recklessly. The owner, on the other hand, could be held responsible if the animal was allowed to roam freely without proper supervision, which is common in rural parts of the Philippines.

9. Prevent future accidents

Learn how to avoid collisions with animals.

After an accident, it’s worth reflecting on how to prevent similar situations in the future. Here are a few tips for driving safely and avoiding animal collisions:

• Stay vigilant: Always be aware of your surroundings, especially when driving through rural or residential areas. Animals can dart out unexpectedly, so keeping your eyes on the road is crucial.
• Drive slowly in high-risk areas: Areas with livestock or stray animals require slower speeds to give you more time to react if an animal suddenly appears on the road.
• Use horn: If you see an animal on the road, honk to alert it and encourage it to move away. Flashing your headlights can also help deter animals from crossing.

10. Understand how insurance can help

Comprehensive insurance offers peace of mind.

 

In cases involving damage to your vehicle or liability for the animal's medical care or loss, having a comprehensive insurance plan can significantly ease the financial burden.

In the Philippines, most insurance providers offer customizable plans that allow you to include animal-related accidents in your coverage. Ensure that you read and understand your policy thoroughly, so you're aware of what is covered and what isn’t.

Bottom line

Accidents involving animals on the road can be stressful, but knowing the proper steps to take can help you handle the situation responsibly and legally. Prioritize your safety, document the incident, report it to the authorities, and contact your insurance provider promptly. Comprehensive car insurance can be a financial lifesaver in such situations, covering damages and liabilities that may arise from hitting an animal.

Also Read: Protect your car this monsoon: Parking tips for flood-prone area