Deer Collision: What Your Auto Insurance Covers?

Deer-vehicle collisions are a common occurrence, especially in rural areas. If you're unfortunate enough to hit a deer, understanding your auto insurance coverage is crucial. Let's break down what your policy might cover.

Does Liability Auto Insurance Cover Hitting a Deer?

Liability insurance is the minimum coverage required by most states, but it won't protect you if you hit a deer. Liability coverage is designed to protect other people and their property if you cause an accident. It doesn't cover damages to your own vehicle.

Does Full Coverage Auto Insurance Cover Hitting a Deer?

Full coverage insurance typically includes both collision and comprehensive coverage. While collision coverage is for accidents involving another vehicle, comprehensive coverage is broader. This is where you'll find protection for deer-related damage.

Comprehensive coverage can help pay for repairs or replacement of your vehicle if it collides with an animal. However, it's important to note that you'll usually have to pay a deductible before your insurance kicks in.

Will Hitting a Deer Raise My Insurance?

Unfortunately, hitting a deer can impact your insurance rates. Insurance companies consider deer collisions as a claim, and claims can lead to increased premiums. The extent of the rate increase depends on several factors, including the cost of the repairs, your driving history, and your insurance provider.

How Can I Avoid Hitting a Deer?

While you can't completely eliminate the risk of hitting a deer, there are steps you can take to reduce your chances. The steps are as follows:

• Be alert: Pay attention to your surroundings, especially during dawn and dusk when deer are most active.

• Use high beams: When driving in rural areas at night, use high beams when safe to do so to better spot deer.

• Reduce speed: Slowing down can give you more time to react if a deer suddenly appears.

• Avoid swerving: Swerving to avoid a deer can often lead to a more severe accident. It's generally safer to brake firmly and stay in your lane.

By understanding your auto insurance coverage and taking precautions, you can better prepare for the unexpected.

Navigate the Complexities of Your Auto Insurance Policy with Our Experts

At Scavone Insurance Agency Center LLC, we're here to assist you. Our knowledgeable agents can review your policy, explain your coverage options, and help you find the best protection for your needs. Contact us today for a quick consultation with one of our insurance experts. Call us at (800) 559-0027 for further assistance.