Deer Season Driving: How to Avoid Collisions and Handle Claims

​As deer season peaks in the fall, learn how to avoid collisions, stay safe on the road, and understand what your auto insurance covers if the unexpected happens.

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🛣️ The Rise of Deer Collisions in Fall
Fall is a beautiful time for scenic drives—but it’s also prime time for deer-related crashes. According to State Farm’s 2024 annual report, U.S. drivers have a 1 in 115 chance of hitting an animal, with deer being the most common culprit. The highest-risk months are October through December, when deer are most active due to mating season and migration.

If you live in Texas, Missouri, or Kansas, where rural and suburban roads meet wooded areas, the chances are even higher. These accidents can cause thousands in vehicle damage, not to mention the safety risks.

⚠️ How to Avoid Deer CollisionsWhile you can’t completely eliminate the risk, these simple steps can drastically reduce it:

• Stay alert during dawn and dusk. Deer are most active in early morning and evening hours.
• Use high beams when driving in low-traffic areas to improve visibility.
• Look for group movement. Deer rarely travel alone—if one crosses, more are likely to follow.
• Slow down in deer crossing zones. Pay attention to yellow wildlife signs, especially near wooded areas or farmland.
• Avoid swerving suddenly. It’s safer to brake firmly than to swerve and risk losing control or hitting another car.

🚗 What to Do If You Hit a Deer
If a deer collision does occur, stay calm and take the following steps:

1. Pull over safely and turn on your hazard lights.
2. Do not approach the animal. Injured wildlife can be unpredictable.
3. Call local law enforcement to document the incident for insurance purposes.
4. Take photos of the damage and surroundings if possible.
5. Contact your insurance provider to start the claims process.

🧾 Insurance Coverage for Deer Collisions
Deer-related accidents fall under Comprehensive Coverage, not collision coverage. Comprehensive insurance helps pay for:

• Damage caused by animals (including deer).
• Falling objects like tree limbs or hail.
• Theft, vandalism, and fire.

If you only carry liability coverage, damages to your vehicle typically won’t be covered. For many rural and suburban drivers, adding comprehensive coverage is an affordable way to protect against these types of accidents.

🦌 Quick Safety Reminder
Deer are unpredictable, but being aware and prepared can make all the difference. As we move through deer season, take a few extra precautions on those evening drives—and make sure your insurance is ready to back you up if the unexpected happens.

🏡 At Corin Insurance
We help drivers across Texas, Missouri, and Kansas find affordable auto insurance that fits their lifestyle and location. Whether it’s comprehensive coverage for wildlife accidents or protection against storm damage, we’re here to help you stay covered through every season.
👉 Get a free quote today and drive with confidence this fall: www.corininsurance.com

Disclaimer: Coverage options and availability vary by state and carrier. This article is for informational purposes only and should not be considered legal or financial advice.