What Happens When A Deer Causes A Car Accident?

April 19, 2023

What Happens When A Deer Causes A Car Accident?

When a deer causes a car accident, it can be traumatic, stressful and costly. But it’s also not as  uncommon as you may think. In most cases, hitting a deer is covered by your auto policy’s comprehensive coverage. This means your vehicle damage should be covered, but you might have to pay a deductible.

Comprehensive Coverage

Deer collisions are common and can cause significant damage to your vehicle. This is why having comprehensive coverage as part of your auto policy is important. This coverage helps pay for damages caused by events that are out of your control, like hitting a deer or swerving to miss it and hitting something else. It also pays to have additional coverages in place, such as towing and rental car assistance. These can be especially helpful if your car becomes disabled after an accident and you’re not able to drive it. If you hit a deer and you’ve incurred damages, it’s a good idea to file an insurance claim as soon as possible. Make sure you’ve documented the incident and taken photos of your car and any injuries. It’s always a good idea to have a copy of the police report on hand, too.

Liability Coverage

Deer are a common hazard on the road and can cause severe damage to your vehicle and injuries. As long as you have liability coverage and comprehensive insurance, your auto policy should cover the cost of repairs. Despite this, there are still some misconceptions about how hitting a deer impacts your insurance. Most of these misconceptions revolve around deductibles. If you are hit by a deer, it is typically considered a “chargeable accident.” This means that your car insurance rate will increase if you are found to be at fault for the crash. However, this is not always the case.

Uninsured Motorist Coverage

Depending on your insurance policy, you may also be able to file a claim under your uninsured motorist coverage, which provides protection in the event you are injured in an accident with someone who does not have insurance. While this coverage is optional, you should consider purchasing it if you are concerned about the possibility of an accident in your area where a driver may not be insured. It can help you recover medical expenses, loss of income and property damage that may be caused by an uninsured motorist!

The Law Offices of Max G. Arnold, Inc.

If you’re a victim of a deer car crash, be sure to contact our law firm immediately! We will be able to evaluate your case and provide you with the legal advice you need to ensure that your rights are protected and that you receive compensation for any damages or injuries you may have sustained in the accident. Don’t wait; our personal injury attorneys are available 24 hours a day, 7 days a week to assist you with your case!

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