Insurance 101 - What if I hit a deer?

I love the natural beauty that surrounds us in Gig Harbor. With that beauty comes the increased presence of deer. What coverage do I need if I were to hit a deer?

One of the many wonderful things about living in Gig Harbor is all the natural beauty that surrounds us. We are surrounded by amazing views of the waterfront, mountain ranges and green forests.

With that beauty also comes the presence of different types of wildlife. Deer are very prevalent in my neighborhood, and probably in your neighborhood too. They seem to love eating my apples, pears and roses. With the increased number of deer surrounding us we need to understand what coverage we need when one of them darts in front of us while we are driving.

First let's consider some of the statistics involving deer. An estimated 1.23 million deer-vehicle collisions occurred in the U.S. between July 1, 2011 and June 30, 2012, costing more than $4 billion in vehicle damage. So what type of coverage do you need to be covered in the event you were involved in a collision with a deer?

Some people think that you would need to have collision coverage to be covered. However, when wildlife is involved in an accident you need to have comprehensive coverage. If you don't know if you have comprehensive coverage call your professional insurance agent and find out.

Now how about some tips to try and avoid an accident with a deer:

First, stay alert. I have been focusing on texting and driving lately, and for a good reason. When it comes to deer it is especially important. You won't have a lot of time to stop when a deer darts in front of you. If you are distracted you won't stand a chance of stopping in time.

Second, use your high beams when there isn't any oncoming traffic. This will help you see the deer better.

Lastly, be aware that at dawn and sunset they are often on the move. Unfortunately, this is also when they are the hardest to see.

Do you have any tips to help avoid hitting a deer? Please share any tips you have in the comment section.

The bitterness of poor coverage lingers long after the sweet price is forgotten.

Joe Urvina is an insurance agent located in Gig Harbor, WA.

Twitter - @UrvinaInsurance
(253) 858-5881

This post is contributed by a community member. The views expressed in this blog are those of the author and do not necessarily reflect those of Patch Media Corporation. Everyone is welcome to submit a post to Patch. If you'd like to post a blog, go here to get started.

Akiko Oda October 25, 2012 at 11:01 PM
When I worked in Eugene, Ore., I would see at least 3 deer on the side of the road every morning (I went to work at 2 a.m. for the morning show on local TV news). My co-workers told me to not slow down if I was about to hit a deer. Braking causes your car to dip--more likely chance the deer might crash into your windshield. They also told me not to swerve to avoid a deer. If you end up hitting a tree or a stop sign instead, that's your own fault...
Mark Hoppen October 26, 2012 at 04:24 PM
And always carry a hunting knife because, like my father always warned me, anything you kill you have to skin and eat :)
Thiago DaLuz May 09, 2014 at 11:23 AM
I've never hit a deer, but I know I would probably panic a little if I did. I do know that my insurance covers it though. It's good to know exactly what damages are covered, thanks for sharing that with us. Thiago | <a href='http://www.ashlandinsurance.com/services/personal-insurance/' >http://www.ashlandinsurance.com/services/personal-insurance/</a>


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