Does liability insurance cover hitting a deer?

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If you only have liability insurance, this coverage does not cover hitting a deer. Each coverage of your auto insurance pays for different types of claims. Having the right coverage in place means you may be able to get your car repaired if it is damaged after a deer collision.

Liability insurance and hitting a deer

Liability insurance does not cover hitting a deer. Liability insurance covers bodily injury and material damage that you cause to one or more people in an accident. Because liability insurance pays for the other party, each state requires either minimum liability limits or proof that you can take financial responsibility for the damages you cause.

What type of insurance covers hitting a deer?

If you want auto insurance that covers a deer, you need to have comprehensive coverage. Comprehensive insurance is one of the two physical damage coverage options that you can include in your auto insurance policy.

Hitting a deer or other animal isn’t the only full coverage claim you can make. Comprehensive insurance also covers:

  • Broken windows and windshields
  • Falling objects
  • Fire damage
  • Flood damage
  • Theft Auto
  • Vandalism
  • Weather events

When purchasing full coverage, consider the amount of the deductible. The more you increase the deductible, the lower your premium tends to be. If you decide to choose a higher deductible, make sure that you can pay the deductible amount when you file a car insurance claim.

Comprehensive coverage vs collision coverage

The other type of physical damage coverage that you can include in your auto insurance policy is collision coverage. If you have collision insurance, it will cover damage to your car if you collide with another object or someone’s property. Like full coverage, a deductible applies to collision coverage, so keep the deductible amount in mind if you need to file a collision claim.

Since collision insurance only applies when you collide with an object or property, it will not cover a deer accident. If you want the highest physical damage protection your auto insurance offers, consider purchasing comprehensive and collision insurance to protect your finances and your vehicle.

What happens if I swerve to avoid a deer?

If you swerve to avoid hitting a deer and hit someone’s property or object instead, you could end up filing a collision claim instead of a full claim. A collision claim can cause you to lose good driving discounts and may include a surcharge on your policy. Bulk claims usually don’t come with a premium, although your insurance rates may be affected by your recent claims history when your policy is renewed.

Will hitting a deer increase my insurance rates?

If you file a claim for hitting a deer, it can potentially increase your insurance premiums. Any claim you file under your insurance policy can affect the rate you pay for auto insurance. The insurance company you are insured with, your driving record and claim history and other factors are used to determine the price of your auto insurance on each renewal or when shopping for a new carrier. While a blanket claim typically doesn’t increase insurance rates as much as a collision claim, you might see an increase the next time you renew if you file a deer accident claim.

Frequently Asked Questions

Do I have to file a police report if I hit a deer?

It is a good idea to file a police report with any accident, including if you hit a deer, especially if there are injuries. Police can also help get deer off the road, which can help prevent another accident. If you are unsure whether to file a police report after an accident, you can call the non-emergency police phone number for assistance. Before getting out of the car to assess damage from a deer accident, first move your car to a safe location.

How much is your deductible if you hit a deer?

If you hit a deer and need to file a claim, the amount you pay is determined by your overall deductible amount. For example, if the deer causes $ 2,000 in damage to your car and you have a full deductible of $ 500, you are responsible for $ 500 and your insurance company will pay the remaining $ 1,500 to repair your car. If hitting the deer totals your car, the insurance company will pay you the book value less your deductible amount.

What to do when you hit a deer and it is still alive?

If you run into a deer and it is still alive, you must first stop the car and assess everyone inside for injuries. Move the vehicle off the road to a safe location and call 911 or State Patrol. If the deer is still alive, keep your distance and notify authorities of your location and if the deer is on the roadway. If an ambulance is needed for you or someone else in your vehicle, ask for help when calling the police about hitting the deer.

When to look for a deer to avoid an accident?

You can strike a deer at any time of the year, so it is best to always be vigilant to avoid an accident. However, deer accidents most often occur between October and December, with the greatest number occurring in November, which is the peak mating season for deer. You are most likely to be involved in a deer accident while driving at dusk and dawn.


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