Did you know that there is an increased chance of hitting a deer from October to December? Yes, this is considered deer season so it’s important to keep an extra eye out for deer this time of year.
Being informed is key to staying safe on the road. We’ll go over a few things to help lower your chances of hitting wildlife while driving this time of year.
When Should You Be Most Alert?
While wildlife can show up any time, you should be extra cautious around dawn and dusk when animals are most active. If you are driving on the highway or even in rural areas, keep a close eye on each side of the road since that is where many animals will be. If you are driving with someone in the car, ask your passenger to help you watch out for wildlife.
If an Animal Jumps Out in Front of You, Should You Swerve or Brake?
Always hit the brakes. While it is natural to want to swerve to avoid hitting the animal, you will want to hit the brakes, hold onto the wheel and stay in your lane as best as you can. Swerving while driving fast can increase your risk for an injury or car accident.
If I do hit an animal, am I covered?
First, you will need to know a few details of your current auto insurance coverage. Comprehensive and collision insurance can provide you with insurance coverage. Comprehensive insurance covers your vehicle when you make contact with an animal while driving. It is important to keep in mind, however, that if you decided to swerve, missed the deer or animal and strike a tree then you could be covered by collision insurance on your auto policy. Because every insurance carrier is different, their claims department will handle it with the coverage they feel is most fitting to the situation.
What states have shown the most auto insurance claims for deer or wildlife collisions? West Virginia, Iowa and Pennsylvania had the highest November claim frequency according to Highway Loss Data Institute.
If you have questions about your current auto or vehicle insurance coverage, reach out to our agency. We can go over your current coverage, re-quote you for a better rate, or simply answer any questions you have about auto insurance.
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