Does the insurance premium hit the deer?

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You may be wondering, “Does deer hit insurance cover?” If you have comprehensive auto insurance, the answer is yes. (Shutterstock)

In the United States, approximately 2.1 million vehicles collided with animals between July 2020 and June 2021, according to the annual analysis from State Farm. Of these accidents, the majority – about 1.4 million of them – were deer.

If you are one of the unfortunate drivers who run over a deer, your car insurance should cover your expenses if you have a comprehensive policy. This is what you can expect from your insurance provider and what you can do if you hit a deer on the road.

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Does car insurance cover a deer?

Car insurance premiums have gone up slow in recent years, so you may want to consider reducing your spread. But the last thing you want to find out after a collision is that your car insurance doesn’t cover the damage.

As long as you have full insurance, then yes, your auto policy should cover you if you hit a deer. Comprehensive auto insurance will replace blown headlights, repair broken windshield, or pay for major repairs.

In some cases, hitting a deer can cause so much damage that the vehicle is considered a total loss. Comprehensive car insurance covers the cost of repairing your car (or replacing it) up to your policy limit. You will be responsible for any deductible on the policy or any amount that exceeds your income.


Does car insurance cover other animal related damages?

Enough auto insurance it also covers other types of damage that animals cause, even if they don’t collide. For example, if squirrels look through electrical wiring in your car or a bear gets into your car and throws up inside, a comprehensive policy will pay you.

Your full training will not cause damage if you swerve to avoid missing a deer and instead hit something else. If you run off the road, hit a fence, or hit another car, your collision may go into it.


Does insurance cover injuries when you hit a deer?

If you are injured as a result of hitting a deer, your insurance may reimburse – or share – the costs. This is especially true if you have optional medical coverage as part of your car insurance policy.

Also known as MedPay, medical payments can cover you and your passengers in the event of an accident. Every plan is different, but MedPay coverage usually starts with things like:

  • Doctors visit
  • Emergency room care
  • Diagnostic tests such as X-rays, CT scans, and MRIs
  • Health insurance deductibles and co-pays
  • Surgery fees
  • Funeral expenses

MedPay is often bundled with health insurance plans. Your regular health insurance policy can cover many of your expenses, such as doctor visits, medical check-ups, and medical care. If you are responsible for annual deductibles or individual copays, however, MedPay can cover these and save you from paying anything out of pocket, up to a limit you choose.

Personal injury protection (PIP) may also cover your medical expenses during this time.

You can go to Credible compare car insurance rates from multiple carriers, all in one place.

What to do if you hit a deer

Once you’ve confirmed that you and all of your passengers are safe to follow the collision, follow these steps:

  1. Go to a safe place. If possible, move your vehicle quickly off the road and to a safe place. Turn on your hazard lights and move to the shoulder, the road, or the grass next to the road. Do not approach the deer during this time.
  2. Contact the police. Depending on your location, the severity of the accident, and if you are injured, call 911 or contact your local non-emergency police. When you call, tell them if a deer is blocking the road, as this can be dangerous for other drivers.
  3. Record the accident. Take pictures (when safe to do so), showing any damage to your car or other property. You may also want to take a picture of the road, showing where the animal went and where it collided. If another driver or pedestrian sees what’s going on, ask for their account of the incident and get their contact information.
  4. Make sure your car is safe to drive. In most cases, a collision with a deer causes damage to the vehicle, but not enough to cause a tow. If you plan to drive your car the rest of the way home, it’s important to do a thorough inspection to make sure it’s safe to drive. Check the headlights, tires, windshield, and bumper. A dented shirt might not stop you from driving home, but a headlight at night will.
  5. Write a resolution. When you get home or to a safe place, contact your car insurance agent as soon as possible to start the rental process. The agent may ask you to write a description of the hit, or provide them with any photos or images you may have.

Does hitting a deer increase your monthly income?

Every time you file a claim against your auto insurance, it can increase your premium for that coverage in the future. The answer depends on the insurance carrier, the state, and whether the insurer considers the collision to be a “fault” accident.

In some cases (and in some states), hitting a deer and filing a claim against your full coverage will not increase your premiums. In some cases, you may find that even the inevitable accident with a deer is all it takes to see your cash flow.

At the end of the day, you should check with your insurance provider. Your agent can tell you how a deer collision can affect your premiums, what’s available, and how much you can expect to pay for a claim, should it happen.


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