Deer Season on the Road: How to Stay Safe and What Your Auto Policy Covers

Fall is a beautiful time of year, but it's also the busiest season for deer on the road. From October through December, deer are on the move for mating season, and shorter days put more of us behind the wheel at dawn and dusk, exactly when deer are most active. Deer-related crashes climb sharply during these months.

A few habits that make a real difference:

1. Be extra alert at dawn and dusk. That's when deer are most active, and it's also when visibility is worst.

2. Use your high beams when no one is coming. They help you spot the reflection of a deer's eyes sooner.

3. Where there's one, there are more. Deer often travel in groups. If one crosses, slow down and expect another.

4. Don't swerve. It's instinct, but swerving can put you into oncoming traffic, a ditch or a tree. Brake firmly, hold your lane and stay in control.

5. Pay attention to the yellow deer-crossing signs. They're posted where crashes have happened before.

6. Buckle up, every trip. Seat belts are your best protection if a collision does happen.

If you do hit a deer

Pull over somewhere safe, turn on your hazard lights, and check on everyone in the car. Stay away from the animal, since an injured deer can be dangerous. If anyone is hurt or the car can't be driven, call 911. Then take photos of the damage and the scene, and call your insurance agent.

Will insurance cover it?

Hitting an animal is usually covered under the comprehensive part of an auto policy, not collision. If you carry only liability coverage, you may be paying for repairs out of pocket. Deductibles and coverage vary from policy to policy, so it's worth checking what you have before the busiest stretch of deer season.

Not sure what your policy covers?

We're happy to take a look. Call The Ryan Insurance Group at 704-705-8989 or email hello@theryaninsurancegroup.com for a free, no-pressure coverage review. We'll make sure you're protected before your next drive home after dark.