October Deer Migrations Are the Right Time to Buy Comprehensive Auto Insurance

comprehensive auto insurance

Fall in October is undoubtedly one of the most beautiful times of the year. As the weather begins to cool from the unrelenting heat of the summer months, the air becomes crisp and the trees lose their leaves, providing decorative orange and yellow crunchy delights for children to rake together and jump in.

The month also marks the beginning of deer mating and migration season, meaning there will be plenty making their way across country and city roads. While these migrations are beautiful to see, they can be quite dangerous for drivers, which is why it’s a good idea to consider upgrading to a comprehensive auto insurance policy before hitting the roads this month.

Deer-Auto Collisions Increase In October

A new report from the Insurance Information Institute (I.I.I.) revealed that fall is peak season for deer and auto collisions due to the deer mating and migration season, which usually runs from October through December.

An estimated 1.22-million deer-vehicle collisions reportedly occurred in the United States between July 1, 2012 and June 30, 2013. According to the Insurance Institute for Highway Safety (I.I.H.S.), 200 fatalities annually in the United States are caused by deer-vehicle collisions.

In addition to the physical harm a collision can cause to both the deer and the driver, these accidents have a huge impact on auto insurance. The average claim has increased to $3,414 over the past year, which could directly result in higher premiums.

Of course, if you don’t have the right type of auto insurance, your vehicle won’t be covered at all, meaning you’d be responsible for all car damage expenses out of pocket, if you collide with a deer.

Buy Comprehensive Auto Insurance to Protect Your Vehicle

The best way to ensure your vehicle is covered in the event that you collide with a deer is to purchase comprehensive auto insurance.

Comprehensive insurance typically covers your vehicle when it is damaged while it’s not in motion (i.e. wind damage, someone hitting your car while parked, floods, fires, vandalism, etc.), but also covers your car when it makes contact with animals.

This means, if you accidentally hit a deer while behind the wheel, you will need to file a comprehensive claim. In other cases when you collide with an object while your vehicle is in motion (e.g. swerving to miss a deer, then crashing into a tree, pole or car), you are required to file a collision insurance claim to pay for your vehicle’s damage.

Of course, in addition to purchasing coverage to protect your vehicle if you hit a deer, also take steps to use certain precautions when behind the wheel. Wear seatbelts, drive with high beams when driving on roads without light, and use particular caution when on curvy back roads.

Photo: donjd2