Watch out for
Many hunters have
wild game in their crosshairs this fall. But even if you don't
this sport, you should set your sights on safety when you get behind
of a car. More deer accidents occur in October and November than the
the year. The National Highway Safety Administration (NHSA) reports
about 1.5 million annual deer-related auto accidents. Vehicle
deer and other animals can be costly and dangerous. To help you stay
fall, please follow these tips.
where you are in the state, there is a chance you and your vehicle may
collide with wildlife such as deer, raccoons, birds, cows and even
bears. Rutting or mating season for many animals is October through
It's also the time many herds migrate. This rise in the active animal
population increases your risk of hitting an animal with your vehicle.
collision occurs, make sure you're protected with the right type of
and understand how to prevent animal accidents.
Damage to a
vehicle from a collision with an animal is covered under an auto
optional comprehensive portion. If you only have collision coverage or
liability coverage, your insurance carrier will not cover damage to
vehicle resulting from a collision with an animal. The NHSA estimates
damage caused by deer accidents results in over $1 billion in annual
losses. If you want to make sure your vehicle is covered for animal
contact your agent or carrier to discuss adding comprehensive coverage
policy. Comprehensive auto insurance also includes coverage for a
perils/risks/exposure: fire, theft, vandalism or malicious damage,
earthquake or explosion, hail, windstorm and falling or flying objects.
a claim for an accident covered by your comprehensive coverage means
still need to pay a deductible. After that, your insurer will cover the
of the claim up to your policy limits.
to Avoid an Animal Collision
these tips to help reduce your chances of an animal collision:
- Deer tend to travel in
herds, so if you see one, lookout for more that may follow.
- Keep an eye out for deer
signs. They are placed at known deer-crossing areas. Reduce your speed
when you see a sign.
- Animals tend to be active
during dawn and dusk so be extra-conscious during these times. Stay
cautious and watch your speed.
- Make sure your headlights
are in working order to ensure you see well at night. Using high beams
can help you spot wildlife but be considerate of other drivers when
- Stay focused while
driving. Do not text, talk on your phone or allow passengers to
- Always wear your seat
belt. This won't prevent a collision but it can save your life
depending upon the severity of the accident.
to do After an Animal Accident
accidents are unavoidable. Knowing how to react in the event of an
collision can help keep you safe. If you are about to hit a deer, hold
onto the steering wheel, apply your brakes and come to a stop. If you
avoid a collision, try not to swerve. If you swerve, you could lose
hit a tree or veer into oncoming traffic. After a collision with an
follow the steps below:
- Stay calm.
- If you can, move your
vehicle to a safe place and turn on your hazard lights. This may mean
pulling over to the shoulder of the highway.
- Stay away from the animal.
A frightened or wounded animal can lash out and hurt you.
- If you can't move your
car, or the animal carcass is blocking traffic, alert the authorities
so they can clear the roadway.
- Document the incident by
taking photos of your vehicle damage, the roadway and any injuries
- Check to see if your
vehicle is safe to operate. Check for leaking fluid, damaged lights,
loose parts or other safety hazards. When in doubt, call a tow truck.
If you have questions,
contact our Consumer
at (800) 852-5494, (501) 371-2640, or firstname.lastname@example.org.
Get smart about your insurance needs! More information about
auto, home, life and health insurance options — as well as tips
for choosing the coverage that is right for you and your family —
is located on the NAIC website: www.InsureUonline.org.