Deer-related collisions are unfortunate, particularly in areas like Dallas, Texas, where wildlife frequently crosses roadways. Many drivers ask, is hitting a deer considered an accident? The short answer is yes. Insurance and legal definitions typically classify such incidents as accidents, often covered depending on your policy.
Attorney Aaron A. Herbert and his team have compiled this guide to help you understand deer-related collisions, fault determination, insurance coverage, and the essential steps to take after such an incident.
Is Hitting a Deer Considered an Accident?
Yes, hitting a deer is considered an accident. These incidents fall under “wildlife-vehicle collisions” as they are unintentional and unpredictable. Unlike at-fault accidents, such as rear-ending another vehicle due to negligence, deer-related crashes are usually unavoidable.
If a deer suddenly leaps onto the road while driving attentively, you will unlikely be found at fault. However, if evidence suggests reckless behavior, such as excessive speeding or erratic swerving, your insurance provider may evaluate the claim differently, potentially impacting coverage or premiums.
When Does Insurance Consider It an Accident?
Most insurance companies cover deer collisions under comprehensive coverage, not standard liability or collision coverage. Comprehensive insurance applies to damages caused by non-collision events, such as theft, natural disasters, and animal strikes.
If you lack comprehensive coverage, you may be responsible for repair costs. This is particularly important for drivers in states with high deer populations, where these car accidents are more common.
Who’s at Fault in a Car Accident Where a Deer Is Involved?
Determining fault in a deer-related accident is generally straightforward since deer are wild animals and unpredictable.
Fault In Insurance Terms
Insurance companies classify most deer-related collisions as no-fault accidents. This means that filing a claim should not automatically result in increased premiums. However, the specifics depend on your provider and policy terms.
When Might You Be Considered at Fault?
There are exceptions. Your actions might have contributed to the accident if you were speeding, distracted, or swerving dangerously. Your insurance provider may adjust how the claim is processed in such cases, potentially impacting your rates.
Does My Insurance Cover a Deer-Related Accident?
Comprehensive Coverage is Key
If you have comprehensive insurance, deer-related damages are generally covered. This type of policy is designed to handle non-collision events, including wildlife-vehicle collisions.
What You Need to Know?
- You must pay your deductible before coverage applies. For example, if repairs cost $5,000 and your deductible is $500, insurance covers the remaining $4,500.
- If you only have liability insurance, your policy will not cover damages to your vehicle.
Will My Rates Increase?
Unlike at-fault accidents, deer collisions typically do not lead to increased insurance premiums since they are considered unavoidable. However, it’s best to confirm with your provider, as policies may differ.
Key Statistics
- Over 1.5 million deer-vehicle collisions occur annually in the U.S.
- Due to mating season, November is among the riskiest months for deer-related accidents.
Recognizing these trends can help you prepare and ensure you have the right insurance coverage.
What to Do If You Hit a Deer?
Deer collisions can be stressful, but following these steps can help ensure safety and a smooth claims process.
Step 1: Pull Over Safely
Move your vehicle to the roadside when it’s safe. Turn on hazard lights to alert other drivers and prevent additional accidents.
Step 2: Assess the Scene
Check if anyone in your vehicle is injured. If necessary, call 911 for medical assistance. Avoid approaching the deer, as wounded animals can be unpredictable.
Step 3: Contact Law Enforcement
Notify local authorities. Law enforcement can manage the scene and provide an official accident report, which may assist with your insurance claim.
Step 4: Document the Incident
Take photographs of vehicle damage, the deer, and any road conditions that might have contributed to the crash. This evidence strengthens your claim.
Step 5: Notify Your Insurance Company
Report the accident to your insurer as soon as possible. Provide them with the police report, photos, and any relevant details.
Step 6: Inspect Your Vehicle
Before driving away, ensure your vehicle is safe to operate. If damage is severe, call a tow service rather than risk further issues.
Protect Your Rights After a Deer Collision
Drivers often wonder, is hitting a deer considered an accident? Understanding how these cases are handled can help you better navigate insurance claims and avoid unnecessary financial burdens. Having the right insurance coverage and knowing what steps to take after a collision can significantly affect how smoothly the process unfolds.
Attorney Aaron A. Herbert and his legal team are ready to assist you if you’ve been involved in a deer-related accident. We provide experienced guidance to help you manage insurance claims and any legal concerns effectively.
Reach out today at 214.200.4878 for a consultation.
AARON A. HERBERT
Aaron A. Herbert is a highly regarded trial lawyer known for his aggressive advocacy on behalf of seriously injured clients in major accidents and industrial catastrophes. With over a decade of experience, he has built a reputation for securing significant verdicts and settlements, often under confidentiality agreements. He emphasizes passion, preparation, and persistence in his practice, aiming to maximize case value while minimizing litigation stress for his clients.
