Deer Collision Reminder – Stay Safe!

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and dusk. This increased activity can pose serious risks to drivers, and hitting a deer can be a distressing and upsetting experience.

So with that in mind, Heister Insurance would like to share a few reminders to help keep you and your passengers safe this season and to help you navigate the aftermath of striking a deer.

Tips for Avoiding a Deer Collision

• Stay especially alert at sunrise and sunset. Deer are most active during these low-light hours, making them more likely to appear on or near the road. Reducing distractions and staying focused can give you valuable extra seconds to react.
• Slow down in areas where deer are common. If you’re driving through wooded areas or notice deer crossing signs, easing off the accelerator can make a big difference. A lower speed gives you more time to brake safely if a deer suddenly enters your path.
• If you see one deer, expect more. Deer often travel in groups, so the first one you spot may not be the last. Continue scanning the roadside even after the initial deer has crossed.
• Use your high beams when it’s safe to do so. On dark roads without oncoming traffic, high beams can improve your visibility and help you spot deer sooner. Just remember to dim them when other vehicles approach.
• Brake firmly, but avoid swerving. Your instinct may be to steer around a deer, but suddenly leaving your lane can lead to a more serious collision with another vehicle or a fixed object. In most situations, controlled braking while staying in your lane is the safest response.

What To Do If You Strike a Deer

Even with careful driving, deer collisions can still happen. If you’re involved in one, move your vehicle to a safe location if possible and check yourself and any passengers for injuries. Contact 911 if anyone needs medical attention, and notify local law enforcement if required in your area.

Additionally, avoid approaching the deer, as an injured animal can behave unpredictably. Take photos of the damage before reporting the claim to your insurance company.

Insurance and Hitting a Deer

In many cases, damage caused by hitting a deer is typically covered under the comprehensive portion of an auto insurance policy rather than collision coverage. However, if you only carry liability insurance, damage to your own vehicle generally won’t be covered.

If you’re not sure what your current policy includes or would like to review your coverage this fall, feel free to reach out. We’d be happy to answer your questions and help you understand your options.