Category: Auto Insurance

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.

Things to Know When Buying a New Vehicle

What do I need to consider when deciding which vehicle to buy?

Different vehicles cost more to insure; some of these things that go into insurance cost include vehicle performance, cost of vehicle, cost to repair, and theft potential. The color, although many believe otherwise, does not have an effect on your insurance premiums. To research different vehicles you can visit the Insurance Institute for Highway Safety website.

Do I need to contact my insurance agent before or after I purchase the vehicle?

If you currently do not have a vehicle insurance policy, then you will need to have that arranged before you can leave the lot with the vehicle. If you currently have a policy, you usually need to follow up with your agent within 10 days of the new purchase.

What information do I need to have before contacting my agent?

The vehicle’s year, make, model, VIN number, lienholder information (if there is a loan), the primary driver, and how you will be using the vehicle (an estimate of how many miles each day).

Are rates more important than coverage?

You want to keep the rates as cheap as possible, but you also need to consider the coverage that comes with those rates. You don’t want to have to pay more out of pocket just because your insurance doesn’t cover you if you are in an accident. Here are some trends in state regulation and insurance rates.

Are there any insurance discounts available?

Yes, the most common discount is the multi car discount that many insurance companies will give you for having more than one vehicle on the same policy. There can also be discounts available for being a long term customer, or having multiple policies with the same company.