Am I Covered If I Hit a Deer?

According to the Insurance Institute for Highway Safety, there are approximately one and a half million deer-vehicle collisions in the United States each year, resulting in about 150 deaths and over $1 billion in vehicle damage. The average claim of these deer collisions is $3,995.

Am I covered if I hit a deer?

You might think that Collision insurance coverage covers deer insurance, but the correct answer may surprise you. Hitting a deer or being hit by a deer is considered an “act of God” and is covered by Comprehensive insurance.

Here are some tips to avoid deer claims this fall.

1. Be Extra Cautious During Peak Activity Times

• Dawn and dusk are the most active times for deer. Be particularly vigilant during these hours.
• Deer season (typically October to January) is when deer are more likely to be on the move, especially during mating season and hunting season.

2. Use High Beams When Possible

• Use your high beams in rural areas or low-traffic roads to increase visibility. Be cautious not to blind oncoming traffic.

3. Watch for Deer Crossing Signs

• These signs are posted in areas where deer are known to frequently cross. Slow down and remain alert when you see these warnings.

4. Be Aware of Herds

• Deer often travel in groups. If you see one deer cross the road, expect more to follow.

5. Do Not Swerve

• If a deer jumps in front of your vehicle, it is safer to brake firmly and stay in your lane. Swerving can cause more dangerous accidents, like hitting another vehicle or driving off the road.

6. Slow Down in Rural Areas

• In rural or wooded areas, reduce your speed to give yourself more time to react if a deer appears.

7. Honk to Warn Deer

• If a deer is standing on the road, slow down and use your horn in short bursts. This may startle the deer and encourage it to move away.

8. Stay Calm After an Accident

• If you hit a deer, pull over to a safe spot and turn on your hazard lights. Stay inside the vehicle and call for help. Do not approach the injured deer, as they can be unpredictable and dangerous.

If you have an incident with a deer and need guidance on filing a claim, we are always here to help. Stay safe and drive carefully this season.

Has your agency talked to you about your comprehensive coverage lately?

Start your relationship with SeibertKeck Insurance Partners today.

Are you already a SeibertKeck client?