Western New Yorker’s are no strangers to the presence of deer on our roadways. With the coming of Fall and hunting season, deer on our many rural roadways is a common occurance and the chances of striking a deer is high. A collision with a deer can cause significant damage to your vehicle, as well as serious injuries.
To be covered for a collision with a deer, you need to have comprehensive coverage included in your policy of auto insurance. Although the accident was not your fault, you will likely have to meet your comprehensive deductible amount before your coverage kicks in. You may have swerved to avoid the deer, or struck a guard rail as a result of trying to avoid striking the deer. In cerain instances, your collision coverage will pay for the damage. If you only have liability insurance coverage, then your insurance company will not pay for the repairs to your vehicle. Liability insurance covers damage that you cause to others, and not your own vehicle.
If you are hurt as a result of a deer collision, you may utilize your No Fault Insurance Coverage to pay for your losses, including you medical expenses and a portion of your lost wages. Claims against your uninsured/underinsured motorist coverage are typically excluded since you collision involved wildlife, rather than another vehicle that was uninsured.
To stay as safe as possible on the road there are several precautions you can take to prevent deer collisions, including:
1. Staying alert around dusk and dawn when deer are most active
2. Increasing your awareness around October and November when deer are most present
3. Slowing down your speed when approaching posted deer crossing areas.
If you have questions or concerns regarding a deer collision, please feel free to call us at (716) 714-4109.