FacebookTweetLinkedInEmailPrint It’s a scenario no driver wants to face—a deer suddenly darts into the road, leaving you with little time to react.You don’t want to hit it, but swerving could lead to even worse consequences.If you’ve ever wondered, “Will my car insurance cover me if I hit a deer?” you’re not alone.

Let’s break it down and explore what steps to take if this happens.What Happens If You Hit a Deer? Does Car Insurance Cover It? If you hit a deer, it’s crucial to stay calm and follow these steps: Pull over safely and turn on your hazards.Contact the police to report the incident.

Do not approach the deer.If it’s still alive, it could lash out in fear and injure you.Document the scene.

Take pictures of the damage to your vehicle and the accident scene, if it’s safe to do so.Inspect your vehicle before driving away.Look for tire damage, leaks, smashed lights, or loose parts.

If you’re unsure, consider getting the car towed.Does Car Insurance Cover Hitting a Deer? Whether your insurance covers hitting a deer depends on your policy.What If I Swerve to Avoid a Deer and Hit Something Else? If you swerve to avoid a deer but end up hitting a fence, tree, or another object, the damage wouldn’t fall under comprehensive coverage.

Instead, you’d need collision insurance to cover the repairs.Collision insurance protects your vehicle if you collide with something, whether it’s another car or an object like a fence or pole.If you don’t have collision insurance, the repair costs would come out of pocket.

When Are Deer Collisions Most Likely? Deer are most active during: Fall (Mating Season): Deer strikes are most common in autumn, so be extra cautious during this time of year.Dusk to Dawn: Like many animals, deer are more active during these hours.Use your high beams when possible to spot them early.

Group Movement: Deer rarely travel alone.If you see one cross the road, more are likely nearby.Slow down and stay alert.

Does Full Coverage Car Insurance Cover Towing After a Deer Accident? Yes, if you have roadside assistance or towing coverage included in your policy, it may cover towing costs if your car is undrivable after hitting a deer.Be sure to check your policy or speak with your insurer about what’s included under your full coverage car insurance.Other Insurance Scenarios to Consider Stay Protected Against the Unexpected Hitting a deer can be a frightening experience, but with the right insurance coverage—like comprehensive and collision—you can recover financially without added stress.

Remember to stay alert during peak activity times and always prioritize safety on the road.Need help finding the right coverage? Whether it’s comprehensive insurance for deer strikes, towing coverage, or even multi-car insurance quotes, we’ve got you covered.Get started today with our easy online form or give us a call.

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