A car is an expensive investment and accidents involving animals can easily damage your vehicle. That’s why it’s vital to have auto insurance that offers protection against these disasters. However, some drivers are unaware of the coverage that can protect them against losses when they hit a deer. For example, what type of insurance do you need to repair your vehicle after your car hits a deer?
How rules and regulations differ from state to state
Each state has its own set of rules and regulations regarding auto insurance, including possible discounts and coverage requirements. For example, in some states, if you have the state’s minimum coverage, you may not have coverage in the event of a deer accident.
In most states, drivers are required to have liability insurance, but comprehensive insurance is not required. Check your state’s auto insurance rules and regulations to better understand if you are covered in the event of a deer accident.
A deer is a fast and unpredictable wild animal. These animals can be impossible to avoid. For this reason, auto insurers don’t consider hitting a deer because of the driver; they see it as an inevitable accident. Some auto insurance companies do not require a police report if you hit a deer and damage your vehicle.
Can Your Auto Insurance Cover a Deer Hit?
Depending on the type of auto insurance, it may offer coverage if you hit a deer. Because of the impact of the accident on the vehicle, insurers classify this accident as a traffic accident, just like other accidents involving a collision with animals, objects, people or another car.
As Erie Insurance reports, comprehensive insurance can cover damages if you hit a deer and damage your car. The insurance company will pay to fix the car. If you don’t have insurance everywhere, you will pay to repair the vehicle.
Keep in mind that liability insurance does not provide coverage when you hit a deer. Each auto insurance coverage pays for different problems. It is therefore vital to understand what your cover offers. Comprehensive insurance will not cover all the damage your vehicle will suffer in a collision with another car. Remember that comprehensive insurance will only cover damages if you hit a deer; if you swerve to avoid hitting the animal and hit another vehicle, collision insurance should cover the accident.
Preventive measures to avoid hitting a deer
According to WildLife Collisions, about 80% of wildlife collisions involve deer, with moose, moose, coyotes, elk and other wildlife accounting for 20%. Although no one wants to hit an animal on the road, such accidents are common because many cities are close to natural habitats and wild animals have become popular near human settlements.
With a few tips, you can avoid hitting deer on the road. Although deer accidents are unpredictable, you can prevent them if you know when these animals are most active. Deer are most active at dawn and dusk. During this time, the light is lower and the animals are at their most active. Again, deer like to move in groups, so when you see one crossing the road, be extra careful and drive slowly to avoid hitting the deer.
When driving in areas where deer are common, watch out for the yellow deer diamond signs that indicate that deer frequently cross the road at this point. Another trick is to change your headlights when you’re driving in an area where you’re likely to encounter deer; the light will reflect into the deer’s eyes, making it easier for these animals to see when driving.
Also, be aware of the deer mating season which occurs between October and December. Be alert during this period because the animals are more active, increasing the risk of collisions on the road. Installing or purchasing a vehicle with automatic emergency braking can help prevent hitting deer on the road.
When you see a deer, don’t swerve; break calmly and firmly and stay in your lane. The swerve can cause a serious accident because you could lose control. By taking these precautions, you can avoid hitting deer.
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