Business Auto Claims:
Accident with an animal
START A CLAIM Call 1-800-421-3535

Watch out for animals in or near the road when driving

Hitting a deer or other animal with your vehicle can be traumatic, stressful and costly.

If you’re involved in a collision with an animal, you can be confident that Nationwide is here to help.

What to do after you hit an animal

Does my business auto insurance cover an accident with an animal?

Nationwide’s comprehensive business auto insurance typically pays for damages from your vehicle striking an animal.

Certain basic business auto insurance policies, such as liability insurance may not cover these damages.

Learn more about business auto insurance coverage and talk to your agent about reviewing your insurance plan to be sure you’re adequately protected.

 Filing a business auto accident claim

Although all insurance claims may be different, our claims process is designed to handle each promptly, professionally and with minimal inconvenience to you.



Starting a claim

Log in to start a claim online or you may call our On Your Side ® Claims Service at 1-800-421-3535 .

You will be assigned a Nationwide claims representative who will contact you to gather all essential information and to schedule an inspection of your vehicle.

Your claims representative will review your insurance policy and explain what’s covered and how your deductible may come into play. The representative will walk you through the claims process and answer any questions related to your claim.

Arranging repairs

You can select your own repair shop or you may choose a facility from our On Your Side Auto Repair Network®, if your vehicle is eligible.

If you choose one of our On Your Side shops, you'll receive fast, seamless service. We work directly with these pre-screened, pre-qualified shops to streamline estimates, repairs, and payments.

Settling your claim

Once repairs are completed, we settle your claim and send you or the repair shop final payment, minus any deductible amount you’re responsible for. 

If your vehicle is determined to be a total loss – costing more to repair than its value – you'll receive an amount based on your car's actual cash value before the damage occurred.

Tips to avoid hitting an animal


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