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Driving on the road can be unpredictable, especially when you encounter wild animals like deer. While hitting a deer or other wildlife may seem unlikely, it does happen and can cause severe damage to your vehicle. But what happens if you hit a deer with your car? Will your insurance cover the damage caused by the accident? We’ll explore the ins and outs of car insurance coverage for accidents involving wildlife.

Comprehensive Coverage

The most common way to have your vehicle damage covered in a deer collision is through comprehensive coverage. This type of auto insurance is designed to protect you from things like theft, fire, and natural disasters. Collision coverage is not designed to mitigate damages caused by hitting a deer. Comprehensive coverage can help to cover the cost of damage sustained to your car in an animal collision.

Collision Coverage

While collision coverage is commonly associated with accidents caused by a collision that a car is involved in, a wildlife accident is often not covered under it. Deer-related accidents are covered by comprehensive coverage in most cases. However, specifically designed commercial vehicle policies usually offer coverages for deer-hit damages under the comprehensive coverage option. The decision on whether to pay for claims involving deer accidents ultimately rests with the auto insurance company.

Liability Coverage

Liability coverage is a requirement in most states. It covers damages caused to other drivers’ vehicles and injuries they sustain in an accident if you are found at fault. But what about damages sustained to your car if you hit a deer? Unfortunately, liability coverage doesn’t cover that. Liability coverage only provides protection if other people’s property is damaged or their bodies are injured, so unless you have a specific clause in your policy, it will not cover vehicular damage caused by hitting a deer on the road.

Choosing the Right Auto Insurance 

When choosing the right coverage for your vehicle, it’s important to consider the risks and benefits of each option. Comprehensive coverage is usually the best option for covering damages related to hitting a deer. Although it’s not mandatory, it is a relatively cheap coverage with long-term benefits. Choosing this coverage option will help to mitigate the financial impact of a collision with a deer or other wildlife.

What to Do if You Hit a Deer With Your CarA small deer stands in the middle of the road in front of an oncoming car

If you find yourself in the unfortunate scenario of hitting a deer with your car, it’s crucial to keep calm and follow these steps to ensure your safety and the well-being of others. 

  1. First, if possible, move your vehicle to a safe place out of potential traffic. Turn on your hazard lights to alert other drivers, especially if the accident occurred at night. 
  2. Avoid approaching the deer, as a frightened or wounded animal can be unpredictable. 
  3. Call the police and report the accident, particularly if the deer is blocking traffic or if there are injuries involved. Document the incident with photos of the scene, your vehicle, and any visible injuries for insurance purposes. Don’t forget to notify your insurance company as soon as possible, providing them with all the necessary details of the accident.
  4.  Lastly, depending on your location, you may need to report the accident to the local game commission or animal control. Throughout this process, it’s important to prioritize your safety and follow the instructions of local authorities.

Knowing Your State’s Laws on Animal Collisions

It’s important to know the laws in your state on animal collisions, as they can vary from state to state. In some states, drivers are required to carry specific coverage for animal collisions or are allowed to file a claim with their comprehensive coverage. In other states, drivers are not required to carry animal collision coverage, and their insurance policies may not cover the damages. It’s important to check the laws in your state and review your insurance policy to see what coverage you have.

Find Out More About Auto Insurance

If you’re still unsure whether your car insurance covers deer collisions, it’s essential to check your policy’s specifics. Most insurance companies have 24/7 customer support services that are ready to help you understand more about your policy. It’s wise to do a little research before heading out on the road to make sure you’re fully informed about what is, and isn’t covered in your policy.

The Right Coverage Brings Peace of Mind

While hitting a deer with your car can be a scary experience, having the right coverage can provide peace of mind. Comprehensive coverage for animal-related accident damage should be considered by those who are at risk of experiencing wildlife collisions. Liability coverage won’t cover deer-related car damage. Before you hit the road, it’s essential to take the time to understand the specifics of your car insurance policy, and make sure you have the protection you need. Stay safe out there!

Tips for Avoiding Animal Collisions in the FutureA woman driving her car passes a yellow warning sign indicating that deer often cross that area

While hitting a deer can be a scary and unpredictable event, there are steps you can take to help avoid animal collisions in the future. Be alert and watch for road signs indicating deer crossings or areas where there may be a higher likelihood of animal activity. Slow down and use your high beams when possible to increase your visibility. If you see a deer in the road, brake firmly and avoid swerving, as this can cause you to lose control of your car. Finally, wear your seat belt and encourage all passengers in your car to do the same to help minimize injuries if an accident with a deer occurs.

The Best Auto Insurance Resources for You!

To learn more about the right coverage for your vehicle with Home and Auto Resources, don’t hesitate to contact us on our website or at (888) 291-2366. Our team of experts is always ready to assist and guide you with all the information you need. Remember, the right coverage brings peace of mind. 


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