For drivers in the United States, encountering a deer on the road may seem like a question of “when” rather than “if.” Collisions with animals, especially deer, are among the most common claims filed by motorists under auto insurance policies. Understanding how these incidents are handled by insurance providers can help drivers prepare for and navigate the aftermath of a deer-related car accident.
How are deer-related accidents covered?
When a vehicle strikes an animal, the damage is typically covered under the comprehensive coverage portion of a car insurance policy. However, the policyholder may be responsible for paying their deductible before insurance will cover the remaining repair costs.
It’s important to note that drivers who only carry collision coverage may have to pay for all repairs out of pocket since, unlike comprehensive coverage, collision insurance does not extend to incidents that involve hitting an animal.
Learn More About Comprehensive vs. Collision Coverage
What if I swerved to avoid the deer?
Car accidents that occur when a driver swerves to avoid an animal (and does, in fact, avoid hitting the animal) are classified differently. Typically, these accidents are considered collision claims, even if the animal was the initial cause of the event. If your insurance provider does classify the accident as a collision claim, collision coverage will apply to car damage sustained due to the incident.
Do I need a police report?
While a police report is not always required to file a car insurance claim for an animal-related accident, it may be helpful for documentation. A police report can provide verification of the incident, which may be useful for resolving disputes or addressing damage to your car. If law enforcement cannot respond to the scene, taking clear photos is highly recommended. Be sure to document:
- The damaged areas of your vehicle
- The animal involved, if it is still present
- Any evidence of impact, such as hair or markings
For your safety, avoid approaching or attempting to move any wild animals.
Will a deer accident affect my driving record or insurance rates?
Animal-related accidents may not be recorded as at-fault incidents on your driving record. However, regardless of how the accident is classified, filing a claim could still affect your insurance. For example, depending on your insurer’s policies, you might lose a claim-free discount or experience changes to your premium.
How to Minimize the Risk of a Deer Collision
While some animal-related accidents are unavoidable, there are steps drivers can take to reduce the likelihood of a collision:
- Watch for groups. Deer often travel in groups, so if you see one, slow down and remain alert for others nearby.
- Travel cautiously at dawn and dusk. Deer are most active around dawn and dusk, particularly in the fall. Allow extra time for your commute and stay vigilant in areas where deer crossings are common.
- Drive defensively. If possible, when driving in rural or wooded areas, reduce your speed and use your high beams to improve visibility.
By staying alert and understanding how your car insurance policy handles animal-related accidents, you can better protect yourself, your passengers and your vehicle. Always prioritize safety and take precautions to navigate high-risk areas with care.
Are you protected on the road?
At Higginbotham, we understand how serious any collision, including deer collisions, can be. Our auto insurance team is committed to helping our clients find car insurance coverage that fits their needs so they can feel safer while on the road. Get in touch with a member of our team today.