Does Car Insurance Cover Hitting a Deer?

Collisions with animals, such as deer, can be a real concern for drivers in rural and wooded areas. At Russell Harding Insurance, our team is here to help you understand how your car insurance may respond to an accident involving wildlife, so you can make informed decisions about policy.

How Car Insurance Handles Deer Accidents

When it comes to hitting a deer or other animals, not all auto insurance policies offer the same level of coverage. Coverage for animal collisions typically depends on the type of insurance you carry. Comprehensive coverage will be key when attempting to file a claim for damage caused by wildlife. While collision coverage can assist with repair and replacement costs after crashes with other vehicles or stationary objects, comprehensive coverage is necessary for those involving animals. As is the case with other covered incidents, you’ll still need to meet your deductible before your policy will pay out.

Why Comprehensive Coverage Matters

Deer are active throughout the year, especially during certain seasons. Without comprehensive coverage, you may be responsible for all repair costs if you hit a deer. Adding this coverage to your policy can offer financial coverage for these incidents.

What to Do After Hitting a Deer

If you’re involved in a deer accident, take the following steps:

• Move your vehicle to a safe location if possible.
• Contact local authorities if there are injuries or significant damage.
• Document the scene and damage with photos.

Notify our team at Russell Harding Insurance to start your claim and discuss your coverage options.

Coverage for the Road Ahead

Our team at Russell Harding Insurance is here to help drivers understand their auto insurance options and find the right coverage for unexpected events, such as deer collisions. If you have questions about your current policy or want to explore comprehensive coverage, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.