Car Insurance And Deer Accidents


In many areas of the country deer accidents are frequent. Accidents involving deer seem to be more frequent between October and January each year which is the height of deer migrating and mating season. Accidents occur most often between 5 p.m. and midnight and 5 a.m. and 8 a.m.

Sometimes you will have an accident involving a deer and you did not hit the deer. Instead the deer hit you or it leaped onto your car.

If you are driving and realize you are going to hit a deer do not swerve to avoid it. Take your foot off the gas and continue in a straight line toward the deer.

If you swerve to avoid the deer you run the risk of collision with another car or a tree, mailbox, pole or landing in a ditch.

As far as car insurance hitting a deer falls under the comprehensive coverage of your insurance policy. Sometimes after an accident with a deer you will need tow assistance. The tow is covered under comprehensive coverage. If you do not have comprehensive coverage roadside assistance coverage will cover it if you have roadside assistance coverage. Comprehensive coverage may or may not have a deductible depending on the coverage your purchased.

If you are not sure whether you have comprehensive coverage or roadside assistance check your policy or give your agent or customer service representative a call.

Of course, if you have neither comprehensive coverage or roadside assistance coverage then you will be responsible for all the charges.


If you swerve to avoid the deer and collide with an inanimate object instead of the animal this claim will fall under the collision coverage of your policy. Collision coverage may have a higher deductible and surcharge.

Whether or not your car insurance premiums will increase after a deer accident depends on the insurance company. Most companies do not hold the driver at fault for a deer accident.

It is not necessary to have a police report in order to fill a claim for a deer accident. However, a police report will verify the claim and may make the processing of your claim faster.

A few steps you can follow to lessen your chances of having a deer accident include:

Slowing down in deer crossing areas

Keep in mind if you see one deer there are probably more around in the area

If you catch a deer in your headlights honk your horn in a long blast

If there is no oncoming traffic use your high beams at night.

If you are unfortunate enough to have a deer accident do not attempt to touch or move the injured animal. Call the police to report hitting a deer. Take pictures of the accident scene. Contact your insurance agent.   Move your car to a safe spot on the side of the road, if possible, and turn on your hazard lights. Be sure to check over the car to be certain it is safe to drive.