Colliding with a deer is an unfortunate and often unexpected experience that many drivers face, particularly in rural or wooded areas. Not only can hitting a deer cause significant damage to your vehicle, but it can also leave you wondering whether your auto insurance policy will cover the costs. Understanding how your coverage works and what steps to take after a deer collision can help ease the stress of the situation and ensure you’re properly protected.

Does Auto Insurance Cover Deer Collisions?

Auto insurance can cover damage from hitting a deer, but it depends on the type of coverage you have. Specifically, comprehensive coverage is the part of your auto insurance policy that addresses damage caused by non-collision incidents, including hitting an animal like a deer.

Here’s how comprehensive coverage works in the case of a deer collision:

• Vehicle Damage: If your car is damaged by hitting a deer, comprehensive coverage will typically help pay for the repairs minus your deductible. Whether it’s a cracked windshield, front-end damage, or other issues, this coverage ensures you don’t have to bear the full cost of repairs out of pocket.

• Total Loss: In more severe cases where the damage is so extensive that repairing the vehicle costs more than its value, your insurance may declare your car a total loss. In this case, comprehensive coverage will pay out the actual cash value of your vehicle, helping you recover from the financial burden of losing your car.

• Towing and Rental Car: Some comprehensive policies may also include additional coverage for towing your vehicle after a deer collision or renting a car while your vehicle is being repaired. Check with your insurance provider to see if these options are included in your policy.

What If I Only Have Liability Coverage?

If your auto insurance policy only includes liability coverage, you will not be covered for any damage caused by hitting a deer. Liability insurance is designed to cover damage you cause to others or their property, not damage to your own vehicle. Without comprehensive coverage, you’ll need to cover the cost of repairs or a replacement vehicle out of pocket if you collide with a deer.

What to Do If You Mistakenly Hit a Deer?

If you hit a deer, it’s important to take the following steps to ensure your safety and properly file an insurance claim:

1. Pull Over Safely: Move your vehicle to the side of the road if possible, and turn on your hazard lights.

2. Document the Damage: Take photos of the scene, your vehicle, and any damage caused by the collision. This documentation can be useful when filing your insurance claim.

3. Contact Your Insurance Company: Call your insurance provider to report the accident and start the claims process. Provide them with all the necessary details and any photos you took.

4. Don’t Approach the Deer: For safety reasons, avoid approaching the injured animal, as it could be dangerous.

Get Comprehensive Auto Insurance Coverage with Us

If you’re driving in areas where deer are common, having the right insurance coverage is crucial. At Weeks & Associates Insurance Services, we can help you find the right auto insurance policy that fits your needs, including comprehensive coverage for unexpected events like deer collisions. Contact us today to explore your options and get the protection you need on the road. Call us at 805-497-6607 to learn more.