Deer season in Missouri is an exciting time of year for many, but your car may not agree. Hunters spend hours waiting in the perfect spot for a deer. Meanwhile the deer are on the move and that can mean lots of deer traffic on our roads.
Deer Season and You Car on the Road
Deer season brings the deer out on the roads especially during the dawn and dusk times of day. Those early mornings just as the sun is coming up and early evening as the sun is going down seem to be the times when deer are on the move the most. If you have to travel anywhere during these times be very careful and stay alert. Actually, you should really be careful and stay alert all the times when you are driving!
What Do I Do If I Hit a Deer?
If you hit a deer while driving you want to do the following:
- Pull of the road to a safe place if you can.
- Stay away from the deer.
- Assess the damage while keeping in mind that there may be hidden damage. Taking a few pictures of the damage and your surroundings at this time is always good.
- Call for help if you cannot drive your car.
- Call your agent.
Do I Have Coverage?
The coverage that covers hitting a deer is an optional coverage called comprehensive coverage. Comprehensive coverage has a deductible that you selected when you purchased your insurance. The damage caused by the deer will be covered minus your deductible. if you do not have comprehensive coverage on your policy you do not have coverage for any damage caused by hitting a deer.
***When deciding how much insurance and what coverages you need be sure to always talk through common scenarios such as hitting a deer with your agent. ***
If you need a quote for car insurance or maybe just a policy review click here to get that started!
While hunting season brings joy to many it is also a time of increased claim calls for insurance agents. Be safe on the roads this deer season. If you are a hunter “Good Luck” as you finish the season!