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German Car Insurers Face Billion-Euro Wildlife Collision Losses

Wildlife collisions are costing German car insurers billions. With damages rising and incidents peaking in the fall, insurers may need to rethink their strategies.

In this picture we can see the deer and grass.
In this picture we can see the deer and grass.

German Car Insurers Face Billion-Euro Wildlife Collision Losses

German car insurers in Germany have suffered heavy losses in recent years due to rising repair costs and an increase in wildlife collisions. In 2024, insurers paid out over 1.1 billion euros for 276,000 such incidents nationwide, with damages exceeding one billion euros.

The average damage per collision with a wild animal was 4,100 euros. This increase is attributed to rising prices for body parts and higher workshop costs. These collisions are more frequent in the fall as days get shorter, with many wild animals being active during twilight and crossing roads. The cumulative losses over the past two years have reached around five billion euros.

While specific insurers were not named, it is reported that German motor insurers collectively faced these damages in 2024, with the total losses due to wildlife accidents in 2022 being over 1.1 billion euros.

The increasing wildlife collisions and repair costs pose a significant challenge to German car insurers. As the problem worsens annually, especially in the fall, insurers may need to reassess their policies and strategies to mitigate these losses.

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