In states like California, where roadways often pass through rural or forested areas, deer collisions are a common hazard for many drivers. In a 2023 study from the UC Davis Road Ecology Center, about 5,000 Mule Deer were killed by drivers statewide. If you’ve ever wondered, “Does hitting a deer count as an accident with insurance?” you’re not alone. Many drivers are unsure how deer-related accidents impact their insurance claims, what coverage applies, and how to proceed after the incident. This article will break down the key considerations, from types of insurance coverage to steps you should take immediately after a deer collision.
Does Hitting A Deer Count As An Accident?
Yes, hitting a deer typically counts as an accident, but insurance companies categorize it differently. Unlike collisions with another vehicle or object, deer-related incidents are generally classified under comprehensive insurance coverage. This distinction is crucial because comprehensive coverage covers non-collision events, including accidents involving animals, theft, weather-related damage, and vandalism. While comprehensive coverage is optional, it’s highly recommended, especially for drivers who regularly travel through areas where deer and other wildlife are common.
Comprehensive Insurance Coverage
If you’re driving in areas where wildlife is prevalent, comprehensive insurance can provide peace of mind and financial protection during a deer collision. Here’s how comprehensive insurance benefits you in this scenario:
- Repair Costs: Comprehensive insurance will typically cover the repair costs associated with damage to your vehicle caused by a deer impact. Given that collisions with large animals can cause substantial damage, this coverage can save you from significant out-of-pocket expenses.
- Medical Expenses: In some cases, deer collisions can lead to injuries for you or your passengers. Comprehensive insurance may cover medical expenses related to these injuries, depending on your policy. Alternatively, you may need additional personal injury protection (PIP) or medical payment coverage.
- Minimal Impact on Premiums: One of the benefits of filing a comprehensive claim for a deer collision is that it generally has a smaller impact on your insurance premiums compared to a collision claim. Since deer-related accidents are often considered unavoidable, insurers may not penalize you with a rate hike for a comprehensive claim.
Steps To Take After Hitting A Deer
If you hit a deer while driving, knowing the right steps to take is essential to ensure safety, manage the scene effectively, and prepare for an insurance claim. Here’s a quick guide:
- Pull Over: If possible, pull over to the side of the road to prevent further incidents. Turn on your hazard lights to alert other drivers, especially if it’s dark or visibility is limited.
- Check for Injuries: Assess yourself, any passengers, and other individuals involved for injuries. If anyone is hurt, call emergency services immediately.
- Call Authorities: It’s generally a good idea to call the police after hitting a deer, as they can help with traffic control and file an official accident report. This report may be required by your insurance company to process your claim.
- Document the Scene: Take photos of the accident scene, including your vehicle, any visible damage, the road conditions, and the surrounding area. Documentation can be helpful for your insurance claim and provide valuable evidence if there are any disputes later.
- Don’t Touch the Deer: Injured animals can be unpredictable and dangerous. It’s best not to approach or attempt to move the deer. Instead, allow animal control or other authorities to handle the situation.
Finally, once you’re safe, you can contact your insurance company to report the accident. Be prepared to provide details, including the accident’s date, time, location, and description. They’ll guide you through the claims process. When you report a deer collision to your insurance provider, you’ll likely file that comprehensive claim we discussed earlier. Some insurance companies may ask you to obtain repair estimates, while others will send an adjuster to assess the damage.
To avoid delays, could you report the incident as soon as possible? Deer collisions are often considered unavoidable, which won’t lead to a premium hike. However, your insurer may still adjust your rate if you have multiple comprehensive claims within a short time frame. It’s worth discussing with your provider if you have concerns.
Filing A Claim For A Deer Collision
Filing a claim for a deer collision usually falls under comprehensive insurance coverage. Start by contacting your insurance provider as soon as possible to report the incident. Explain what happened and provide any necessary details, like the location and time of the collision. Include photos of the damage to your car and any additional documentation, such as a police report. These details help your insurance company assess, does hitting a deer count as an accident?
Be prepared to pay your policy’s deductible before the insurance covers the remaining repair costs. Some companies might require repair estimates, while others send an adjuster to evaluate the damage. Comprehensive claims for deer collisions typically don’t lead to higher premiums since these accidents are often unavoidable. However, frequent claims could still impact your rates, so it’s worth discussing with your provider if unsure. Acting promptly and providing accurate information will make the claims process smoother.
Closing Words
Hopefully, by now, you can answer the question: Does hitting a deer count as an accident? The answer is almost always yes! While insurance is often the first line of protection after a deer collision, sometimes claims don’t go as smoothly as expected. This is where Deldar can help. Our team is ready if your insurance provider disputes your claim, underestimates your damages, or raises premiums unfairly. Dial Deldar at (844) 335-3271, and we will help you get back on the road with confidence.