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Deer hit - poor A6

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Old 07-10-2014, 08:50 PM   #1
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Default Deer hit - poor A6

Two weeks ago while driving in upstate NY through the lower Catskill Mountains I was hit by a deer. At the time I was in the left lane of a divided four-lane (two I each direction) highway with a 65 mph speed limit (the speed I was locked on in cruise control). There was a broad median separating the eastbound and westbound lanes and at that place the median had numerous rocks and thickets of trees and bushes.
I was in the process of gradually passing a string of several slow moving landscaping trucks in the right lane and the beast appeared no more than 30 feet to my left running at a fast pace out from behind a cluster of evergreens. I could not move to the right, but did brake. It hit (like within 3 seconds of seeing the thing) into the left front fender just forward of the wheel opening.
I slowed down and pulled over. The car would not run: it started but stalled right out each time. It had to be flat bed towed to somewhere in New Jersey and subsequently to my Audi dealer’s preferred body shop in Westchester County. For 8 years I had a weekend house in the Catskills and went up and down to Westchester County at least 40 times a year. I saw thousands of deer over that period but used various techniques to avoid being hit and never was. This one just bolted at a really fast pace literally right into me – no time or space to do anything. I like the ones that stand grazing; at least you have a chance if they start moving.
At the time of the collision the State Trooper and I looked under the hood and were amazed to see the coolant recovery tank bent toward the centerline, almost touching the engine – quite an impact. Yet, the air bags did not deploy.
Long and short – I was annoyed, to say the least.
As of today I got the estimate - $15,253.05, of which I have to pay the $500 deductible.
I had been hoping the car would be totaled but as big as $15,000 is, it is not even half of the vehicle’s current valuation they said. Anyway, I hope they do a good job.
Now to worry about what this does to my insurance rates. I have a good driving record of no moving violations since 1983 and no chargeable accidents since 1981. I hope that helps.
Now I hate deer – screw Bambi!
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Old 07-10-2014, 09:13 PM   #2
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Sorry to hear about your Bambi troubles. Animal collisions are usually considered a comprehensive claim and not an at-fault accident. Unless you rack up several more in short order, I doubt it will affect your insurance rates.
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Old 07-11-2014, 01:44 AM   #3
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Bob, what a bummer. At the same time, it's fortunate you didn't hit the deer head-on which at speed could have been much worse both for the car and for you (you didn't mention what happened to the deer). Glad you're ok; it kind of puts the dash discoloration thing last year into perspective, yah?

As Deer mentioned (the AW member, not the animal), your insurance co. should not treat this as an at-fault accident which shouldn't affect your premium. On the other hand, with that much damage, the value of the car would likely take a hit after the repairs. Be sure to explore diminished value with your claim.
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Old 07-11-2014, 04:50 AM   #4
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Sorry to hear about this but your well being is more important as the car is an easier fix than your body. Since you are using Audi and their body shop you should ensure the car is back to your satisfaction. I agree that your rates shouldn't be affected because of this loss. I know this area well as I travel it to go skiing. Thankfully I have yet to see a deer in the road... Always eating the grass on the side of the road.

Good luck with the repairs.
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Old 07-11-2014, 05:37 AM   #5
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Sorry to hear that. I hit one a few years ago in my 2010 S4...Frightening experience but luckily it just rolled down the side of the car after it crushed the headlight. Hoof marks into the door.
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Old 07-11-2014, 05:41 AM   #6
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Originally Posted by snagitseven View Post
Bob, what a bummer. At the same time, it's fortunate you didn't hit the deer head-on which at speed could have been much worse both for the car and for you (you didn't mention what happened to the deer). Glad you're ok; it kind of puts the dash discoloration thing last year into perspective, yah?

As Deer mentioned (the AW member, not the animal), your insurance co. should not treat this as an at-fault accident which shouldn't affect your premium. On the other hand, with that much damage, the value of the car would likely take a hit after the repairs. Be sure to explore diminished value with your claim.
I immediately knew I was lucky in an unlucky way. A buddy had a wild turkey come through the windshield and spent weeks in the hospital, so I immediately felt lucky.
The deer became airborne and landed DOA on the median. The Trooper notified the DoT about the carcass. He also said "that's what they all say" when I told him I was going the speed limit - then he laughed.
This is a leased vehicle - I have no idea what effect the collision and repairs will have at the end of the lease, and am not about to stir things up with Audi Financial at this point. Thanks for not chiding me for a long blah, bah, blah - I am now over the incident. What dash discoloration - mine's gone - lol

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Old 07-11-2014, 08:08 AM   #7
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As Deer mentioned (the AW member, not the animal)...
Interesting aside: My moniker stems from hitting a 4-point buck with my Miata over a decade ago (the local club has a collective sense of humour). It was a direct hit and it almost came through the windshield (it, instead, bounced off the glass and flew 20 feet into the air, almost hitting the Miata behind me). The car was almost a write-off, but was repaired and I still have it.
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Old 07-11-2014, 11:39 AM   #8
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My moniker stems from hitting a 4-point buck with my Miata over a decade ago (the local club has a collective sense of humour).
Them are good eatin'! (4-pts, not Miatas)

Reminds me of a guy I went to high school with - "Miller the Dog Killer" who (allegedly accidentally) took out something like 3 dogs within a month of getting his license.
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Old 07-11-2014, 11:46 AM   #9
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To hijack my own thread: I was wondering if these auto/self-driven cars of the near future will be the same, better or worse than we silly humans are at avoiding deer. Anyone have a thought on this?
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Old 07-11-2014, 11:58 AM   #10
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Originally Posted by irenesbob View Post
To hijack my own thread: I was wondering if these auto/self-driven cars of the near future will be the same, better or worse than we silly humans are at avoiding deer. Anyone have a thought on this?
I would say that a self driven car would be worse. Deer enter from the side and the driver sees them with peripheral vision. I guess to would depend on how the sensors are set up but today's cars look mostly to the front and rear.

My last deer hit (I've had five so far) was when a pair of yearlings came out of the ditch and crossed in front of the car. I hit them both, and it killed the one closest to the left headlight. The impact broke my wife's ribs and she got a helicopter ride to the hospital. I was on the brakes hard and I don't think a self driven car could have reacted much faster. At most, they would have made it to the center or right headlight before being nailed...
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Old 07-11-2014, 12:43 PM   #11
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What dash discoloration - mine's gone - lol
I know. I was referring to the angst we went through last year when we first discovered the discoloration (before it self-resolved). Looking back, it now seems like such a minor thing compared to your deer encounter.
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Old 07-11-2014, 02:14 PM   #12
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I know. I was referring to the angst we went through last year when we first discovered the discoloration (before it self-resolved). Looking back, it now seems like such a minor thing compared to your deer encounter.
Oddly enough, the dash thing pissed me off more and had me more riled up. The deer is just a "dear" (lol) dumb animal with no deceitful or malicious intent. The dash thing hit all my hot buttons for some reason. Of course, none of it really matters as long as we survive and our precious Audi's are restored. FWIW - I saw the car yesterday after it was taken apart for the adjuster inspection. It doesn't look so bad and the engine stopping was caused by the air box being crushed and the computer protecting the car by shutting it off. The coolant recovery tank bracket got loose, that was all. Parts for these cars are so expensive. The body shop said the hardware for the Audi Side Assist (just for the left side) is a bit over $1,500 for parts - wow! And it didn't even "see" the deer - lol
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Old 07-13-2014, 10:27 AM   #13
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This is a leased vehicle - I have no idea what effect the collision and repairs will have at the end of the lease, and am not about to stir things up with Audi Financial at this point.
Not sure about other states, but if leased and registered in NY you should have gap insurance written into the lease. This covers you for the difference between the car's residual value at lease end and the diminished value due to the accident---in effect, no foul.
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Old 07-13-2014, 12:37 PM   #14
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Interesting. I always thought gap insurance was for covering a value difference in a total loss only.
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Old 07-13-2014, 01:30 PM   #15
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Not sure about other states, but if leased and registered in NY you should have gap insurance written into the lease. This covers you for the difference between the car's residual value at lease end and the diminished value due to the accident---in effect, no foul.
Thanks - I hope you are correct. I had read that on website but ddin't believe it. I thought the way snagitseven did about gap insurance - thzt it applied only to a total loss or theft; I am glad I was wrong.
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Old 07-14-2014, 04:28 AM   #16
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Could always have been worse. At least it wasn't a moose.
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Old 07-14-2014, 05:56 AM   #17
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Thanks - I hope you are correct. I had read that on website but ddin't believe it. I thought the way snagitseven did about gap insurance - thzt it applied only to a total loss or theft; I am glad I was wrong.
Back in 2002 my leased 2001 A6 2.7T was rear ended with damages totaling over $12K. At lease end, there was no issue with Audi Financial. Just turned in the car with no added charges for diminished value.
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Old 07-14-2014, 06:39 AM   #18
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Thanks - I hope you are correct. I had read that on website but ddin't believe it. I thought the way snagitseven did about gap insurance - thzt it applied only to a total loss or theft; I am glad I was wrong.
Bob, you're not wrong. Gap insurance included in car leases cover the difference if the ACV is less than the lease amount owed only for total loss. NY is the same as elsewhere in the U.S.

Excerpt from NY State Insurance Dept:

Under a lease or a loan or other credit transaction, a lessee or debtor is typically obligated to the lessor or creditor for the full outstanding amount under the lease or credit transaction, in the event that the lease or credit transaction is terminated early due to the total loss of the property that is the subject to the lease or credit transaction.

http://www.dfs.ny.gov/insurance/ogco2001/rg108301.htm
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Old 07-14-2014, 07:57 AM   #19
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Bob, you're not wrong. Gap insurance included in car leases cover the difference if the ACV is less than the lease amount owed only for total loss. NY is the same as elsewhere in the U.S.

Excerpt from NY State Insurance Dept:

Under a lease or a loan or other credit transaction, a lessee or debtor is typically obligated to the lessor or creditor for the full outstanding amount under the lease or credit transaction, in the event that the lease or credit transaction is terminated early due to the total loss of the property that is the subject to the lease or credit transaction.

http://www.dfs.ny.gov/insurance/ogco2001/rg108301.htm
Yup, I was not correct as far as GAP insurance goes. From Audi Financial:

"GAP (Guaranteed Asset Protection) coverage comes standard with every Audi Financial Services Lease. If your car is stolen or declared a total loss, GAP along with your insurance proceeds will satisfy your lease account obligations if you have proper insurance in place, have paid your deductible and your account is in good standing."

However, from my research I'm confident that there's nothing to fret about re: diminished value on an accident repair at lease end. Your lease agreement has a stipulated (and guaranteed) residual dollar value for your car based on MSRP. When AFS gets their asset back at lease end, it's their gamble whether or not the car's resid is higher or lower than market value, including the impact of diminished value---as long as the repairs made to the vehicle were done with new OEM parts and the repairs meet industry standards. This is actually one of the major benefits to leasing vs. purchasing.

If you purchased your vehicle via conventional financing, you would assume the risk of diminished value, but with leasing, as long as the repairs made meet the above listed two requirements (new OEM parts and repaired to industry standards), you cannot be penalized---the diminished value transfers to the leasing company. This is why having major repairs made through your Audi dealer and it's associated/recommended repair facility makes the most sense with regard to meeting these requirements.
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Old 07-14-2014, 01:20 PM   #20
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derfA8L - I read something similar. One of the articles I read said that the leasing company (Audi/VW) has its own insurance in place to protect them in the event they have to eat the diminished value on a returned leased vehicle. Well, I guess I just have to wait and see.
I purposely got the insurer to tow the car to my dealer's preferred/recommended body shop and the parts are all new I am told. the detailed estimate I got sure looks like the price of new parts.
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Old 07-14-2014, 01:20 PM
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