Does Auto Insurance Cover Hitting a Deer?

Imagine a deer suddenly jumps in front of your car. Would your auto insurance cover the damage? One unexpected collision can lead to costly repairs, but having the right coverage may help protect your finances.

Here are seven things every driver should know before hitting the road this fall.

TIP 1: Check Your Comprehensive Coverage

Comprehensive auto insurance generally covers damage if your vehicle hits a deer. If you only have liability coverage, repairs to your own vehicle usually aren’t covered.

TIP 2: Understand Your Coverage

Comprehensive coverage typically applies when you hit a deer directly. If you swerve to avoid one and hit a tree or another vehicle, collision coverage may apply.

TIP 3: Stay Alert at Dawn and Dusk

Deer are often more active around sunrise and sunset. Slow down in wooded areas, watch for deer-crossing signs, and remember that deer may travel in groups.

TIP 4: Avoid Dangerous Swerving

If a deer suddenly appears, brake firmly while maintaining control. A sudden swerve could cause a more serious collision with another vehicle or roadside object.

TIP 5: Know What to Do After a Collision

Move to a safe location if possible, turn on your hazard lights, and check for injuries. Photograph the damage if it’s safe, avoid approaching the deer, and contact your insurance company.

TIP 6: Know Your Deductible

Even if your policy covers the damage, you may need to pay a deductible. For example, with $3,000 in covered repairs and a $500 deductible, your insurer could pay the remaining $2,500 if the claim is approved and policy terms allow.

TIP 7: Review Your Auto Insurance

Don’t wait until an accident happens to find out what your policy covers. Check your coverage limits and deductible, and ask your insurance agent about protection against animal collisions.

Drive Prepared, Not Worried

A deer collision can happen in seconds, but understanding your insurance coverage can help you feel more prepared. Remember, coverage depends on your policy terms and circumstances.

Want to know if your auto insurance protects you against deer collisions?

Contact Klinger Insurance Group at 301-428-4935 to review your coverage and explore your options.

Drive safely and stay alert!