November is the peak month for deer collisions. Take these tips from AAA to heart:
With the recent time change and deer on the move, AAA East Central cautions drivers to be especially vigilant on the roads in animal-prone areas. November and December are the most common months of the year for motor vehicle collisions with animals due to deer mating season. Inconvenience, cost, and possible injury can add up to major headaches for motorists.
“More collisions between vehicles and deer occur in November than any other month,” says Mark Sisson, vice president of Insurance, AAA East Central. “One of our top claims in the winter is for vehicles that have been totaled from hitting animals, and the costs can be staggering.”
According to the Insurance Institute of Highway Safety, there are more than 1.5 million deer-vehicle collisions each year, resulting in 150 human deaths and tens of thousands of injuries. In addition to possibly causing injury, deer collisions can lead to costly damage to vehicles. AAA Insurance reports that it’s average deer-related claim in the region is about $3,500, though costs can be much higher depending on the damage to a vehicle.
AAA’s Recommendation: Check Your Coverage.The National Insurance Crime Bureau (NICB) finds that between 2014 and 2017 there were 1,740,425 animal-related insurance claims processed in the United States with collisions with deer causing the most claims. The actual number of incidents is likely much higher since many drivers do not choose to carry coverage for this type of event. Collision coverage pays for damage to your car resulting from a collision with an object (e.g., a telephone pole, a guard rail, a mailbox), or as a result of flipping over. Comprehensive coverage is for damage to your car covered by disasters “other than collisions”, contacts (in this case, contact/collision with animals) and are paid for under the comprehensive portion of an auto insurance policy.
“While opting for comprehensive coverage may add to your premium, it could save you money down the road,” continued Sisson.
To help prevent a crash or to reduce damage from an animal collision, AAA suggests motorists:
In the event of a collision with an animal, AAA recommends: