Deer Vehicle Collisions cause an estimated $1 Billion in vehicle damage a year in the United States. Approximately 150 die each year in deer related accidents. When you hit a deer, the type of insurance coverage you have will determine how the damage to your vehicle is handled.

• Comprehensive Coverage: Hitting a deer is generally covered under comprehensive insurance. This type of coverage takes care of damage to your vehicle from events other than a collision with another vehicle—such as colliding with an animal, theft, fire, or vandalism. If you have comprehensive coverage, your insurer will likely cover the cost of repairs minus your deductible.
• Collision Coverage: In most cases, collision coverage does not apply when you hit a deer. However, if your vehicle swerves to avoid the deer and ends up hitting another object, such as a tree or guardrail, collision coverage may come into play.

Will My Insurance Rates Go Up?

One common concern is whether hitting a deer will cause your insurance rates to increase. In many cases, because hitting a deer is considered an unavoidable accident, this is considered a not at fault accident. However, your car insurance rates are still likely to increase with a not at fault accidents. Most car insurance companies do charge more premium with a not at fault accident.

Preventing Deer-Related Accidents

While it’s not always possible to avoid a deer collision, there are steps you can take to reduce your chances:

• Stay Alert: Be especially vigilant during dawn and dusk when deer are most active.
• Use High Beams: When driving at night in rural areas, use your high beams to increase visibility.
• Don’t Swerve: If a deer suddenly appears in front of your vehicle, it’s safer to brake firmly rather than swerve, as swerving could lead to a more serious accident.

Contact your car insurance company or your insurance agent after your deer claim. The average cost of vehicle repairs after a deer accident is $3000. According to the Insurance Information Institute, deer vehicle collisions are most likely to occur during the fall, from dusk to dawn on high-speed rural roads.