During the winter months, it is widespread to see deer hopping across roadways. As part of the deer migration season, there is a dramatic spike in the movement of the deer population, resulting in many deer-related accidents.

There are an estimated 1.22 million deer-vehicle collisions yearly, with the average claim costing approximately $3,414. Additionally, studies show that total losses due to animal collisions are also rising. There are about 5,000 total losses and 200 fatalities due to animal collisions, with the majority of those being due to deer.

Damage caused by accident with deer is usually covered under the comprehensive portion of an automobile policy. The extended portion of the policy includes coverage due to fire, theft, vandalism or malicious damage, riot, flood, earthquake or explosion, hail, windstorm, falling or flying objects, damage due to contact with a bird or animal, and windshield damage.

However, if you swerve to miss a deer or animal and crash into a tree or guardrail, it would be the collision portion of your policy that would cover the claim.

Be Aware

  • Deer are not just found on rural roads near wooded areas; many deer crashes occur on busy highways near cities.
  • Deer are unpredictable, especially when faced with glaring headlights, blowing horns, and fast-moving vehicles. They often dart into traffic.
  • Deer often move in groups. If you see one, there will likely be more in the vicinity.

Take Precautions

  • Drive with care when moving through deer-crossing zones, in areas known to have a large deer population, and in areas where roads divide agricultural fields from forestland.
  • When driving at night, use high-beam headlights with no oncoming traffic. The high beams will better illuminate the eyes of any deer on or near the roadway.
  • Be incredibly attentive from sunset to midnight and during the hours shortly before or after sunrise. These are the highest risk times for deer-vehicle collisions.
  • Brake firmly when you notice a deer in or near your path, but stay in your lane. Many serious crashes occur when drivers swerve to avoid a deer and hit another vehicle or lose control of their cars.
  • Do not rely on devices such as deer whistles, fences, and reflectors to deter deer. These devices have not proven effective.
If your vehicle strikes a deer, avoid going near or touching the animal. A frightened and wounded deer can hurt you and further injure itself. If the deer blocks the roadway and threatens other motorists, you should call the police immediately. Contact your insurance professional as quickly as possible to report any damage to your car.