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Does My Auto Insurance Cover Deer Accidents?

Does My Auto Insurance Cover Deer Accidents?With an increased presence of deer during the cooler seasons, it becomes increasingly more important that New York residents know how to react to a deer in the road. When a deer crosses your path on the road, the only part you are in control of is your reaction. Therefore, it is imperative that you prepare yourself because you are likely to come face to face with a deer at some point. Gathered is all the must-know information regarding deer, deer-related car accidents, and your auto insurance:

  • NEVER swerve to avoid hitting a deer. This is extremely dangerous and can increase the likelihood of severe damage and injury. Swerving puts you in harm’s way as you may hit oncoming traffic, a tree, or light post. Swerving can also determine your coverage eligibility under your auto insurance policy. Hitting an animal and hitting an inanimate object are two different incidents.
  • Rather than swerving to miss the deer, it is recommended that you simply let your foot off of the gas and continue a straight course.
  • If you have comprehensive coverage under your auto insurance policy, deer accidents are likely covered. If you are unsure, it is always best to be in the know, so why not give your auto insurance carrier a call now before the unexpected occurs.
  • If you do not have comprehensive coverage or roadside assistance, you may be forced to have your car towed (depending on the severity of the damages) and pay the expenses out of pocket.

Contact Scavone Insurance Center in White Plains for all of your New York auto insurance needs. We can help you determine if your policy covers deer accidents and provide you with the coverage you deserve if it does not. You deserve peace of mind on the open roads!

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