In October, November, and December, the use of the word “deer” increases in Minnesota. Whether it’s telling the insurance company, “I hit a deer,” or a passenger yelling the word as if it will somehow stop the impact, deer are on drivers’ minds a lot this time of year.
According to KARE 11, the odds of hitting a deer are 1 in 81. That is a good reason to review your auto insurance policy with your Pine Insurance Agent, especially since most deer collisions are covered by comprehensive insurance, not collision.
Deer movement and harvest season create a double hazard for drivers. First, harvest can cause deer that have been sheltering in fields to suddenly flee. This occasionally leads them into oncoming traffic. Muddy fields and farm equipment coming and going lead to muddy roads. This makes it especially important to stay cautious and focused behind the wheel.
What Should I Do When I Hit A Deer?
If you’ve never hit a deer, the experience can be jarring. Knowing what to do ahead of time can help you stay safe and calmly handle the situation.
First, pull off to the side of the road and turn on your hazard lights. This reduces the likelihood of another vehicle hitting you.
Second, check for injuries. If the driver or any passengers are injured, call 911 for emergency assistance.
Next, document the damage, only if it’s safe to do so. Take photos of any dents or other damage to the vehicle. However, never leave your vehicle to take pictures on a busy highway or in an unsafe location. Your safety is the most important thing.
If the deer poses a public safety risk, contact local law enforcement or the MN Department of Natural Resources.
Finally, contact your insurance agent. They can help walk you through the claims process.
How Can I Avoid Hitting A Deer?
You can’t always prevent a deer collision, but there are a few precautions to minimize risk.
What Is Typically Covered With Comprehensive Insurance?
Not sure what your auto insurance covers? Talk to your Pine Insurance Agent. Comprehensive insurance typically helps pay for damage to your vehicle caused by events other than a collision with another vehicle or object. Common examples include:
Be Prepared: Review Your Auto Insurance
Don’t wait until you’re saying, “I hit a deer,” to find out what your auto insurance covers. Reach out to your Pine Insurance agent to review your policy, understand your coverage, and make sure you’re prepared for the unexpected this fall.
