If you drive in an area known for its high deer population, you may be wondering if your car insurance will cover hitting a deer. Unfortunately, in areas with a high deer population, the likelihood of a car colliding with a deer is very high. This is because the nature of deer cannot be predicted, so it is possible for them to run into the roadway while you’re driving.
Fortunately, there are certain types of car insurance that offer coverage to policyholders in the event of an accident that involves hitting a deer.
However, be aware that there are certain policies that do not cover hitting a deer. So, it is advisable to check the coverage on the type of policy you have to confirm if it covers hitting a deer or not.
Will Hitting a Deer Increase My Insurance Rate?
Most likely! The majority of auto insurance companies determine the rate of your insurance policy based on certain factors, specifically your driving and claim history. It also depends on the type of insurance company you bought the auto insurance from.
Although making a comprehensive claim will not raise your insurance rates compared to a collision claim, there’s a tendency for your rate to go up if you file a claim for hitting a deer.
Does Car Insurance Cover Hitting a Deer?
Yes, if you purchased full coverage car insurance, your policy will cover the expenses associated with hitting a deer. Full coverage car insurance includes comprehensive and collision coverage, so you don’t have to worry about the financial repercussions that come with hitting a deer or causing injury to others during the accident.
In the process of buying comprehensive coverage on our policy, you will be asked to select a deductible amount. The higher the deductible selected, the lower the premium charged by your insurance provider, and vice versa. If you’re choosing a higher deductible, be sure you are capable of paying the deductible amount when you file a claim.
What Should I Do If I Hit a Deer?
Getting into any form of accident is not usually a glamorous event. It could bring about shock and anxiety, but there are ways to still guarantee safety. Peradventure: If you hit a deer, consider the following tips:
- Move your vehicle away from the accident scene.
- Turn on your vehicle’s light for illumination.
- Remain in the vehicle until it is safe enough to come out.
- Contact the police within the vicinity, or you could dial an emergency number.
- Stay far away from the deer.
- Once the coast is clear, document the accident by taking photos and videos of the damage incurred.
- Contact your insurer to file a claim.
In all, ensure your car is in good condition and safe to drive around. You can check your car to see if it developed any faults or was damaged in the event of the accident.
Safety Precautions to Avoid Hitting a Deer
Deer move in an unpredictable way, and the best way to avoid hitting them is by following the tips mentioned below:
- Use Your High Beam Headlights: This is one of the easiest ways you can avoid hitting a deer. By turning on your high beam headlights, you will be able to see the danger ahead of you. If you also realize there are no vehicles around, this is the best time to use your headlights. It would aid visibility and improve spontaneous response in case of potential accident, such as collision with a deer.
- Reduce Your Speed: The majority of accidents involving collisions with a deer often occur during the late hours of the night. So, if you are driving at night, it is advisable to reduce your speed. Even if there is a deer upfront, you will be able to maneuver your way rather than hitting it.
- Make Use of Your Horn: Deer are often sensitive to sound and their immediate environment. Once you notice there’s a deer on the roadway, you could honk your horn very loud to keep them away from the road.
If you live in a state that has a high deer population, the aforementioned tips can ultimately help you avoid hitting a deer.
FAQs
Do I have to call the police if you hit a deer?
To be on the safe side, it is advisable to file a police report if you hit a deer, specifically if there are damages or injuries incurred. Informing the police of the accident guarantees safety for you and other drivers plying that route.
Another advantage of reporting an accident to the police is that it speeds up the claim process in the event of injuries or property damage. Nevertheless, before making an attempt to access the damage incurred, ensure you park your car in a safe place. In addition, don’t approach the deer once at that point in time; it could be dangerous.
Do you have to pay a deductible if you hit a deer?
Most insurance companies include feature deductibles in auto insurance policies. If you are adding comprehensive coverage to your car insurance, you will be required to select a deductible amount. The deductible is usually around $100 and $2,000.
If an accident results in hitting a deer and you need to file a claim for property damage and injuries, you are required to pay the deductible on your policy. Once you’ve done your part, your insurance company will cover the remaining expenses.
