Fall is the time of year when many people are dreaming of bagging that big buck. But you sure don’t want to do it with your vehicle! Here are a few tips to avoid a collision with a deer.
- Be Alert, especially at This Time of the Year! During hunting season and breeding season, deer are extremely active. Sunrise and sunset to midnight are particularly high-risk times of the day.
- Slow Down and Know Your Surroundings. Driving slower will provide you with more time to react if you spot a deer along the roadway. When you are driving in rural or wooded areas or where there are signs posted warning of deer crossings, be extra cautious.
- Drive Defensively. Wear your seat belt, and be sure to look for deer. Deer usually do not travel alone, so if you see one deer, it is likely there are more nearby.
- Use High-Beam Headlights at Night. When there is no oncoming traffic, use high-beam headlights to help illuminate the area you are driving through and make deer more visible.
- Don’t Swerve Your Vehicle. Swerving your vehicle to miss hitting a deer may cause you to lose control of your vehicle and possibly cause a collision with another vehicle, a tree, or other object.
- Watch for warning Signs from Other Vehicles. If you notice other vehicles are slowing down or have their flashers on, this could be a warning there are deer in the area. Be prepared to take appropriate action.
What Coverage Applies if I Hit a Deer?
Although you may think Collision coverage would repair damage to your vehicle if you are in a collision with an animal, it is actually Comprehensive Coverage that provides coverage for damage to your automobile resulting from a covered loss due to animal collision. Most Comprehensive coverages have a deductible that would also apply to an animal collision loss.
Be careful, drive safely, and leave the deer for the hunters!
Becky Calhoun, CPCU, AU
Senior Personal Lines R&D Specialist