With hunting season currently in full swing, deer can start meandering onto roads. If you’re unfortunate enough to have a head-on collision with one, it could spell trouble for your vehicle and your checkbook. Here are some tips to provide you with information to prevent your vehicle and your bank statement from being damaged.
Prepare for Hunting Season
According to the National Highway Traffic Safety Administration, there are around 1.5 million car accidents involving deer each year. Statistics from the Insurance Institute for Highway Safety also show that the average collision cost for this type of accident is $2,800, with the figure jumping to $10,000 if personal injury is involved.
With alarming statistics such as these, it’s in your best financial interest to maintain car insurance coverage that protects you and your vehicle. Deer collisions between the months of October and December are even greater since deer are migrating and mating during these months.
Fortunately, with comprehensive car insurance, your vehicle is protected from wildlife collisions. Comprehensive protection covers you for damages not resulting from collisions with other vehicles. This includes vandalism, theft, fire, and acts of nature such as hail damage or flooding.
Damages from hitting a deer or other wildlife that may damage your vehicle are considered acts of nature, and allow you to file a property claim under your comprehensive insurance policy’s physical damage coverage.
Remember, that in order to protect your car from deer or other wildlife collisions, the key is comprehensive insurance. Your car will not be protected if you only carry liability or collision insurance
It’s best to know exactly what your automotive company covers but to prevent accidents involving deer all together here are some tips:
- Increase awareness around dusk and dawn when deer are most active.
- Increase awareness during October and November, the two months with the highest number of deer-caused car accidents.
- Slow your speed in posted deer crossing areas.
- If you see one deer, there are usually more hidden off to the side of the road.
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