If I Hit a Deer Will It Be Covered By My Auto Insurance?

If I Hit a Deer Will It Be Covered By My Auto Insurance?

In a word, yes. As far as your auto insurance company is concerned, hitting a deer is a typically covered loss. Since this is not an “at fault” type of loss, your insurer is likely to process the claim through your comprehensive coverage.

It’s important to note that for the accident to be considered a comprehensive loss, physical contact must be made with the deer. If you swerve to miss the deer and run your car off the road, that would likely be considered a collision loss.

And assuming no other factors are present, such as DUI or distracted driving, your insurance rates should not go up if you hit a deer. Hitting a deer is considered a random and unpredictable situation, since deer are known to unexpectedly dash across the road. Since the claim is generally processed under your comprehensive coverage where no fault is assigned, it’s not likely that your rates will increase.

What to Do If You Hit a Deer

It happens, even to the most careful driver. Nationwide, it is predicted that one of every 169 drivers will collide with a deer. And if you do any driving in Pennsylvania, your risk is higher at 1 in 67. Pennsylvania is one of 10 states with the highest number of deer crashes. If you should happen to hit a deer, here’s what to do:

  • Move your vehicle to a safe place. If possible, move your vehicle off the side of the road and turn your hazard lights on. If you have to exit your vehicle, do so on the side away from the road. Deer are most active at dusk and dawn – making it hard to see them, and hard for another driver to see you.
  • Call 911 to report the incident. Tell authorities if you are blocking the road, or if the crash caused property damage. The police report may be helpful when you file your insurance claim.
  • Take pictures of the incident. Take photos of your surroundings, the crash site, the deer, the damage to your vehicle, etc. Photos can help you process your claim more quickly. If there were witnesses, get their statement about what they saw and get their contact information.
  • Stay away from the deer, if it is still alive. A frightened deer can still kick and injure you.
  • Call your insurance agent to report what happened. The sooner you report what happened, the sooner they can process your claim, and get you a loaner car if needed.
  • Don’t assume your vehicle is safe to drive. Look for leaking fluid, loose tires, a broken windshield, a hood that won’t latch, etc. If your vehicle seems unsafe, call for a tow.

Call Dean Insurance today at 410-838-3700 if you have any questions, or to get a free quote on auto insurance, homeowners insurance, life insurance and more. We’ve been serving Bel Air and the Harford County Community since 1973 and we’d love to help you get the insurance coverage you need.


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We all buy auto insurance to provide financial protection in the event of an accident.  In order to maximize the efficiency with which a car insurance claim is processed and to help ensure that your protection is not compromised in any way, it is important to understand what to do and say if you are involved in an accident.  Remember that when an accident happens, most people are upset and as a consequence, may not be thinking clearly.   It’s a good idea to keep a reminder card in your glove compartment along with the vehicle registration so that you have something to use as a checklist when you need it.  Your auto insurance agent should be able to provide you with a pre-printed, step-by-step set of instructions to keep in your car.

Call Dean Insurance of Bel Air MD to purchase Car Insurance at 410.838.3700
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To help your car insurance agency, if you are involved in an accident, consider the following steps.

  1. Determine whether anyone is injured, render first aid and call 911 as appropriate.
  2. Write down the time, date and location of the accident.
  3. If possible, get names, phone numbers and addresses of any witnesses and passengers in all involved vehicles.
  4. List name, address and phone number of injured person(s).
  5. Make NO comment or statement about the car accident and do not admit in any way that you were at fault.  This could compromise the defense being presented by your car insurance company.
  6. It is always a good idea to take pictures of the car accident to include the roadway or intersection where the car accident took place, the damaged areas of all vehicles involved, positions of vehicles in the roadway, debris on road, skid marks, and any other items that may have contributed to the incident.  If there was a particular condition that contributed to the accident such as ice, snow, a pot hole or other obstruction, be sure to take several photos from various angles and directions.
  7. Draw a sketch of the scene.  Again, most car insurance companies publish a pamphlet with pre-printed intersection diagrams so that you can diagram an accident while it is still fresh in your mind.
  8. Report the incident to your agent or car insurance company.
  9. Write a description within an hour of the accident for your car insurance company of what happened, for your car insurance adjuster, to avoid forgetting details later.

Following all of these tips will help your auto insurance company process or fight an insurance claim on your behalf.

Call Dean Insurance of Bel Air MD to purchase Auto Insurance at 410.838.3700 or for a car insurance quote click here!