I Hit a Deer in the Adirondacks. Am I Covered?

August 9, 2011

Yes…Your auto policy will cover your car as long as you have comprehensive or “other than collision” coverage on it.  You will have to pay your deductible and then your company will pay you the amount over that to repair the damages.

 The deer population is increasing since the human population is expanding into rural areas, infringing on the deer habitat. The number of deer-car accidents has increased in the last few years and the claims are very costly.  Here are some ways to help you avoid hitting a deer.

You really need to watch for deer in the spring and the fall, especially when you’re driving before and after sunrise. The majority of accidents with deer occur during this time of day.  Drive carefully when you see signs for deer-crossing zones.  These areas are known to have large deer populations. 

Use high beam headlights if there are no oncoming cars. High beams will allow you to better see the eyes of the deer.  Honk the horn when you see a deer next to the roadway or highway, this will help scare the deer away from the road.   And aways,  ALWAYS wear your seatbelt.

Enjoy your summer!

Donna Moulton

Personal Lines Senior Account Manager