Does a Deer Accident Affect Insurance? The Straight Dope

Yes, a deer accident typically does affect your insurance, but not always in the way you might fear. While it will likely involve filing a claim, and therefore notifying your insurance company, whether it impacts your premiums depends heavily on your coverage and the specific circumstances. In most cases, it’s handled under the comprehensive coverage portion of your policy, often considered a “no-fault” claim.

Understanding the Impact of a Deer Collision on Your Insurance

Let’s dive deep into the woods (pun intended) and unpack the implications of hitting a deer on the road and how it interacts with your insurance policy. It’s crucial to know your coverage, understand the claim process, and anticipate potential premium fluctuations.

Comprehensive Coverage: Your Shield Against Bambi

The key player here is comprehensive coverage. Unlike collision coverage, which covers accidents where you’re at fault (hitting another car, a pole, etc.), comprehensive coverage protects you from incidents outside your control. This includes:

• Natural disasters: Hail, floods, earthquakes
• Theft and vandalism: Car break-ins, graffiti
• Animal collisions: Including, you guessed it, deer!

Think of comprehensive coverage as your vehicle’s guardian angel against the unexpected forces of nature and misfortune. It’s designed to cover the damages to your vehicle caused by striking a deer, minus your deductible.

The Deductible Dilemma: How Much Will You Pay Out of Pocket?

Your deductible is the amount you agree to pay out of pocket before your insurance kicks in. If your deductible is $500 and the damages from the deer collision are $2,000, your insurance company will cover $1,500. Deciding on your deductible during policy setup is critical. A lower deductible means higher premiums, and vice-versa. Assess your risk tolerance and financial situation carefully.

Premium Implications: Will Your Rates Go Up?

Here’s the big question: Will hitting a deer cause my insurance rates to increase? Generally, a deer accident is considered a non-fault accident under comprehensive coverage, and therefore shouldn’t cause your premium to increase. Insurance companies recognize that hitting a deer is typically unavoidable and doesn’t reflect poor driving habits.

However, there are caveats:

• Previous Claims: If you have a history of multiple claims within a short period, even if they are non-fault claims, your insurance company might view you as a higher risk and raise your rates upon renewal.
• State Regulations: Some states have specific regulations regarding rate increases after comprehensive claims. Research your state’s laws or consult with your insurance agent for clarification.
• Policy Type: Your specific policy wording is the ultimate authority. Review your policy documents or contact your insurer to confirm their policy on rate increases after animal collision claims.

While a single deer collision usually won’t raise your rates, it’s not a guarantee. Transparency is key; ask your insurance agent about their specific policy regarding non-fault claims and potential premium adjustments.

Reporting the Accident: A Necessary Evil?

Even if the damage seems minor, it’s generally advisable to report the deer accident to your insurance company. There are several reasons for this:

• Documenting the Incident: Reporting creates an official record of the incident, which can be helpful if further damage is discovered later.
• Potential for Hidden Damage: Deer collisions can cause unseen damage to your vehicle’s frame, engine, or cooling system. Reporting allows a professional assessment.
• Full Coverage Justification: If you decide not to file a claim due to the deductible being too high, reporting the incident ensures you’re covered should previously unnoticed problems arise later.

The Claim Process: What to Expect

Filing a claim after hitting a deer typically involves the following steps:

1. Safety First: Ensure your safety and the safety of other drivers. Move your vehicle to a safe location if possible.
2. Call the Authorities: Report the accident to the police, especially if there are injuries or significant damage.
3. Gather Information: If safe to do so, take photos of the damage, the deer (if still present), and the surrounding area. Note the date, time, and location of the accident.
4. Contact Your Insurance Company: Report the accident to your insurance company as soon as possible.
5. Cooperate with the Adjuster: An insurance adjuster will be assigned to your case. They will assess the damage and determine the payout amount.
6. Get Repair Estimates: Obtain repair estimates from reputable auto body shops.
7. Review and Approve the Settlement: Review the settlement offer from the insurance company and ensure it covers the necessary repairs.

Prevention is Key: Avoiding Deer Collisions

While insurance helps mitigate the financial impact of a deer accident, the best strategy is to avoid collisions altogether. Here are some tips:

• Be extra vigilant during dawn and dusk: Deer are most active during these times.
• Slow down in areas with deer crossing signs: These signs are placed in areas with high deer activity.
• Use your high beams when possible: High beams can help you spot deer earlier.
• If you see one deer, expect more: Deer often travel in groups.
• Don’t swerve excessively: Swerving can cause you to lose control of your vehicle. Brake firmly and stay in your lane.
• Use your horn: A short blast of the horn can sometimes scare deer away.

FAQs: Your Burning Deer-Related Insurance Questions Answered

Here are some frequently asked questions to further clarify the relationship between deer accidents and insurance:

1. If I only have liability coverage, am I covered for a deer accident?

No. Liability coverage only covers damages you cause to others. It does not cover damage to your own vehicle. You need comprehensive coverage to be covered for a deer accident.

2. Is hitting a deer considered an “act of God” by insurance companies?

While sometimes colloquially referred to as such, hitting a deer is generally classified as an animal collision under comprehensive coverage, not a strict “act of God,” which usually refers to unpredictable natural events.

3. Will filing a deer accident claim affect my “safe driver” discount?

Generally, no. Since a deer accident is usually considered a non-fault claim, it typically shouldn’t impact your safe driver discount. However, it’s always best to confirm with your insurance provider.

4. What if the damage from the deer collision is less than my deductible?

If the repair costs are less than your deductible, it’s generally not worth filing a claim. You would be responsible for paying the entire repair bill out of pocket.

5. Should I get a police report after hitting a deer?

Yes, it’s always recommended to get a police report, especially if the damage is significant or if there are any injuries. A police report provides official documentation of the accident.

6. What if the deer runs away after I hit it? Do I still need to report it?

Yes, you should still report the accident to your insurance company, even if the deer runs away. This creates a record of the incident and allows you to assess any potential hidden damage to your vehicle.

7. Can I use the deer I hit for meat?

Laws regarding the possession of roadkill vary by state. In some states, it’s legal to keep the deer, while in others, it’s prohibited. Check your local laws and regulations before attempting to take possession of the deer.

8. If I have multiple vehicles insured with the same company, will a deer accident on one vehicle affect the rates of the other vehicles?

Generally, no. The rate increase would likely only apply to the vehicle involved in the deer accident. However, it’s best to confirm with your insurance provider.

9. Can I choose where my car is repaired after a deer accident?

Yes, you have the right to choose your repair shop. Insurance companies cannot force you to use a specific shop.

10. What if the insurance company totals my car after a deer accident?

If the damage from the deer collision is extensive enough that the repair costs exceed a certain percentage of your car’s value (usually around 70-80%), the insurance company may declare it a total loss. You will receive a settlement for the car’s actual cash value (ACV), minus your deductible.

11. How long do I have to file a claim after hitting a deer?

Insurance companies typically have a time limit for filing claims. It’s best to file a claim as soon as possible after the accident to avoid any potential issues. Check your policy for specific deadlines.

12. What if I hit something else while trying to avoid a deer?

If you swerve to avoid a deer and hit another object (e.g., a tree, a guardrail), the accident may be covered under collision coverage, which could potentially affect your rates. It’s crucial to report the incident accurately to your insurance company.

Navigating the world of insurance after a deer accident can feel like traversing a dense forest. By understanding your coverage, knowing your rights, and taking preventative measures, you can minimize the impact of these unfortunate encounters. Remember to always prioritize safety and seek professional advice when needed.