Deer Crash

Fall in Wisconsin…It’s the time of year when deer are in rut and hunting season is upon us.   Statistically, October and November have the highest number of reported deer hits.  That means you need to exercise extra caution while driving.

Hitting a deer can be very expensive, causing a repair bill for your vehicle and possibly higher insurance premiums. According to the Wisconsin Department of Transportation in 2015 there were 19,976 reported cases of deer vs. vehicle accidents.  In 2014 there were 10 fatalities and 410 people injured in deer related accidents.

Wondering if you have coverage for deer hits? If you have comprehensive (also referred to as, other than collision) coverage on your auto policy that will provide coverage for deer hits.  This may be subject to a deductible, and is an optional coverage.

We encourage you to take extra caution when driving in the next couple of months. Below are a few tips:

  • Deer are most active in the early morning and evening hours.
  • Most deer crashes occur in rural areas.
  • Deer crossing signs are posted for a reason. They are placed in areas where deer are commonly seen, or areas where incidents have been reported.
  • Scan the roadsides for deer, and if you see a deer slow down and be sure to keep an eye out because there may be more coming.
  • NEVER SWERVE. Better to hit the deer than lose control of your vehicle.
  • If you want to keep the carcass, Contact the local police or the DNR before leaving the scene with it.

Just a reminder, if you swerve to miss the deer, and end up going in the ditch or hit another vehicle you have now gone from having a comprehensive claim to having a collision claim.   Your collision deductible may be higher, and the incident would now be considered an at fault accident. This could result in a higher insurance premium than hitting a deer would have.