Hit a Deer Insurance: Everything You Need to Know

Driving in areas with deer population is a risk for drivers, especially during the breeding season from October to December when deer are more active. Hitting a deer can cause serious and costly damages to your vehicle, and in worst-case scenarios, can result in injuries or fatalities. If you live in an area with deer population, it is important to have a good insurance policy that covers deer collisions.

What is Hit a Deer Insurance?

Hit a deer insurance, also called comprehensive coverage, is an add-on policy that covers damages caused by a collision with an animal, such as a deer, moose, or elk. It is not mandatory, but it is highly recommended if you live in an area with a high risk of deer collisions. This type of coverage is designed to cover damages that are not caused by a collision with another vehicle.

Comprehensive coverage is usually sold as an add-on to your regular policy, and it is typically more expensive than liability coverage. However, it is important to note that comprehensive coverage covers not only deer collisions, but also damages caused by theft, vandalism, natural disasters, and other non-accident-related incidents.

What Does Hit a Deer Insurance Cover?

Hit a deer insurance covers damages caused by a collision with an animal, including deer, moose, or elk. The coverage typically includes:

It is important to note that hit a deer insurance does not cover damages caused by an accident with another vehicle. For that, you need liability coverage.

How Much Does Hit a Deer Insurance Cost?

The cost of hit a deer insurance depends on various factors, such as your driving history, your location, your vehicle, and your deductible. The average cost of comprehensive coverage in the US is around $150 per year, but it can vary greatly depending on your individual circumstances.

It is important to note that the cost of comprehensive coverage can increase if you live in an area with a high risk of deer collisions. Insurance companies use statistical data to determine the risk of deer collisions in a particular area, and adjust their rates accordingly. If you live in an area with a high risk of deer collisions, make sure to compare rates from different insurance companies to get the best coverage at the best price.

What Should You Do if You Hit a Deer?

If you hit a deer, follow these steps:

1. Stop your vehicle in a safe place and turn on your hazard lights.
2. Check yourself and your passengers for injuries. If anyone is injured, call 911.
3. Call the police and report the accident.
4. Take pictures of the accident scene, including your vehicle, the deer, and any damages.
5. Don’t try to move the deer by yourself, as it might still be alive and can cause further damages or injuries.
6. Call your insurance company and report the accident.

If you have hit a deer, it is important to take prompt action and report the accident to your insurance company. Failure to do so can result in a denial of your claim.

FAQs

1. Is hit a deer insurance mandatory?

No, hit a deer insurance is not mandatory, but it is highly recommended if you live in an area with a high risk of deer collisions.

2. Does hit a deer insurance cover damages caused by other animals?

Yes, hit a deer insurance covers damages caused by collisions with any animal, including deer, moose, elk, or even a squirrel.

3. What is the difference between comprehensive coverage and collision coverage?

Comprehensive coverage covers damages caused by non-collision incidents, such as theft, vandalism, natural disasters, or animal collisions. Collision coverage covers damages caused by a collision with another vehicle or object.

4. Will hit a deer insurance cover damages caused by hitting a deer in another state?

Yes, hit a deer insurance will cover damages caused by hitting a deer in any state, as long as you have the coverage in your policy.

5. Does hit a deer insurance cover injuries caused by hitting a deer?

No, hit a deer insurance does not cover injuries caused by hitting a deer, unless you have medical payments coverage in your policy.

In conclusion, hit a deer insurance is an important add-on policy that can protect you from costly damages caused by collisions with animals. If you live in an area with a high risk of deer collisions, make sure to consider adding this coverage to your policy, and compare rates from different insurance companies to get the best coverage at the best price.