When you hit a deer, you should move your car to a safe location and call the police to report the incident. You should also check your vehicle for damage after hitting a deer and call your insurance company as soon as possible if you need to file a comprehensive insurance claim.
No matter what, you should not approach the deer, since it can still injure you even if it’s wounded. You should not leave the scene after hitting a deer, either, since it could potentially be injured further or become a hazard for other drivers.
What to Do When You Hit a Deer
Move your car away from traffic.
Call the police to remove the deer from the road and file a report.
Check your vehicle for damage and call for a tow if it’s undriveable.
Document the accident scene, damage to your car, or any injuries.
Call your insurance company to report the incident.
File a comprehensive insurance claim, if your vehicle is damaged.
In order for the damage to be covered by your comprehensive insurance, your car must make physical contact with the deer. If you swerve to miss the deer and hit another car or object, you will need to file a claim with your collision insurance. Because hitting a deer is usually considered to be a random event, it will not significantly affect your insurance rates.
A good comprehensive deductible is an amount that the policyholder can afford to pay if their vehicle is suddenly damaged by something other than a car accident, such as vandalism or a natural disaster. Comprehensive insurance deductibles typically range from $100 to $1,000, but they can sometimes be as high as $2,500. You choose your … read full answerdeductible when you purchase your policy, and the higher the deductible is, the lower your premium will be.
Comprehensive Deductible Example
As a reminder, a comprehensive deductible is the amount that you have to pay out-of-pocket when filing a comprehensive insurance claim. For example, if a hailstorm causes $5,000 in damage to your car and you have a $1,000 deductible, your insurance company will only pay $4,000 for the repairs.
How to Choose Your Comprehensive Deductible
Before you decide on a deductible, you should consider how likely you are to file a comprehensive claim. If you live in an area that is prone to natural disasters or has a high crime rate, for instance, it may be a good idea to get a low comprehensive deductible.
Hitting a deer is usually considered a random event and does not significantly affect insurance rates. Deer accidents are covered by comprehensive car insurance, which protects you from damage caused by things outside your control, like theft, vandalism, falling tree branches, and animals.
Comprehensive claims go on your insurance record, but they don’t dramatically affect your rate because they’re not-at-fault accidents. Claim frequency does affect how much you pay for insurance, though. One comprehensive claim won’t spike your rate, but multiple claims in three years or less will increase your premium.… read full answer
Do you have to pay a deductible if you hit a deer?
If you hit a deer or a deer runs into your car, you’ll have to pay your deductible before comprehensive insurance covers the rest of the bill. Common deductibles are $500 and $1,000 for comprehensive claims, but you choose the deductible when you set up your policy.
Does liability insurance cover hitting a deer?
If you only have liability insurance, which pays for damage you cause to someone else or their property in an accident, hitting a deer won’t be covered.
If you swerve to miss the deer and crash into oncoming traffic, liability insurance would come into play. In that case, your liability insurance would cover damage to the other driver’s car.
You must make physical contact with the deer for the accident to be covered by comprehensive insurance. Liability is almost always required by law, but comprehensive coverage is not. You may have been required by your lenders to carry it if you leased or financed your car, though.
Deer accidents are frequent in many parts of the country, and hitting a deer can easily total your car. It’s worthwhile to explore comprehensive coverage options, especially since it’s usually quite affordable.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.