Quote:
Originally Posted by PaulE
Sorry for your incident. The insurance penalty seems a bit unfair for what is probably a fairly routine random occurance in Australia. In North America we have deer who act similarly. I'm not sure how our rates are affected if we hit a deer.
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Think you will find that hitting a deer will impact your rates. Rates are based on the number of claims you make, even if you aren't at fault. Make lots of claims, rates go up. Even one claim to certain companies and your rate will move up a tiny bit, but adds up over the years.