​Is Hitting a Deer Covered by My Auto Insurance Policy?

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As the seasons change, the chances of encountering wildlife on the road increase, especially deer. Hitting a deer can cause significant damage to your vehicle and lead to potential injuries. A common question I hear as a local insurance agent is, "Does my insurance cover hitting a deer?" Here's what you need to know.
Understanding Comprehensive Coverage
The key to whether your insurance will cover hitting a deer lies in the type of coverage you have. The coverage that typically covers hitting an animal is called comprehensive coverage. Comprehensive coverage is designed to cover things that are, in a sense, out of your control - such as theft, vandalism, weather damage, and yes, collisions with animals like deer.
How Does Comprehensive Coverage Work?
If you have comprehensive coverage as part of your auto insurance policy, hitting a deer should be covered. This type of coverage usually requires you to pay a deductible, which is the amount you pay out of pocket before your insurance covers the rest of the cost. For example, if you have a $500 deductible and the damage from hitting a deer amounts to $2,000, you would pay $500 and your insurance would cover the remaining $1,500.
Reporting the Incident
It's important to report the accident to your insurance company as soon as possible. Even if you think the damage is minor, it's better to report it. Some damages might not be immediately apparent. Your insurer will guide you through the process of filing a claim.
What If I Don't Have Comprehensive Coverage?
If you only have liability coverage, which is often the minimum requirement, hitting a deer might not be covered. Liability insurance typically covers damages to other vehicles or property and medical bills for others if you're at fault in an accident. It does not cover damage to your own vehicle in the case of an accident with a deer.
Preventative Measures
While comprehensive coverage can provide peace of mind, it's also crucial to take preventative measures to avoid hitting deer. Be especially vigilant during dawn and dusk when deer are most active. Use high beams when there's no oncoming traffic to increase visibility, and slow down in deer-populated areas. If you see one deer, be on the lookout for more, as they rarely travel alone.
Conclusion
In summary, hitting a deer can be covered under your auto insurance policy if you have comprehensive coverage. This coverage can help mitigate the financial impact of such incidents. However, it's equally important to drive cautiously and take preventative measures to avoid collisions with wildlife. As your local insurance agent, I'm here to help answer any questions about your coverage and assist you in navigating the claims process should you need it. Remember, safety first, and ensure your insurance policy meets your needs for peace of mind on the road.