How to steer clear of a common, large—and moving—hazard

As the deer populations grow and urban habitats continue to encroach upon rural environments, there has been an increase in deer-car collisions—over half a million a year, with a significant number of fatalities. Increased deer activity during the months of October thru December, which is their migration and mating season, causes a sharp increase in auto accidents involving deer. The risk for deer collisions is 3 times greater at this time of year according to the Highway Loss Data Institute (HLDI) statistics.

The Insurance Institute for Highway Safety (IIHS) estimates that there are more than 1.5 million deer vs. vehicle collisions each year. On average there are between 175 and 200 fatalities, and over 100,000 injuries every year. These accidents cause over $1 billion in vehicle damage. Fatal crashes are most likely to occur in rural areas and on roads with speed limits greater than 55 MPH.

To avoid hitting a deer, use these defensive driving tips

Deer-vehicle collisions are dangerous and costly so, though collision with an animal is covered under the comprehensive portion of your auto insurance policy, it’s always preferable to avoid an accident in the first place.

  • Be especially attentive during peak deer hours. From sunset to midnight and during the hours shortly before and after sunrise are the highest risk times for deer-vehicle collisions
  • Use extra caution when driving through deer-crossing zones. Also be especially careful in places known to have a large deer population and in areas where roads divide agricultural fields from forestland.
  • Know that deer seldom run alone. If you see one deer, others may be nearby.
  • Use high beam headlights if driving at night, when there is no oncoming traffic. The higher light will better illuminate the eyes of deer on or near the roadway.
  • Slow down and blow your horn with one long blast to frighten the deer away.
  • Brake firmly but stay in your lane when you notice a deer in or near your path. Many serious crashes occur when drivers swerve to avoid a deer and hit another vehicle or lose control of their cars.
  • Always wear your seat belt. Most people injured in car-deer crashes were not wearing a seat belt.
  • Do not rely on deer-deterring devices. Deer whistles, deer fences and reflectors have not been proven to reduce deer-vehicle collisions.
  • If your vehicle strikes a deer, do not touch the animal. A frightened and wounded deer can hurt you or further injure itself. The best procedure is to get your car off the road, if possible, and call the police.

In the event a deer damages your car, contact your insurance agent or company representative to report the incident.

Next steps: Had an accident?  Here’s what to do at the scene.

Source:  Insurance Information Institute

Visit Our Auto Insurance Page

Auto Insurance

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.

Read Other Blog Posts

Drowsy

Preventing Drowsy Driving

Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.
Smoke Detector

Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors

Daylight savings time is a perfect opportunity to keep your home safe by checking your smoke and carbon monoxide (CO) detectors. Time change days are memorable markers, making it easy to establish this habit without any extra reminders.
Flooding

Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton

The devastating impacts of Hurricanes Helene and Milton have shown that flood risk isn’t limited to coastal areas. These storms have highlighted a crucial gap that individuals and businesses need to be aware of: flood damage is generally not included in typical home, condo, renters, or commercial property insurance, making a separate flood insurance policy essential for true protection.
Deer

Defensive Driving to Avoid Deer Collisions

With deer mating season in full swing from October through December, drivers face an increased risk of collisions. As deer are more active, especially around dawn and dusk, habitat loss has pushed them closer to roadways. Here’s how defensive driving can help you avoid an accident.
Driving Car

Factors Affecting Your Car Insurance Rate

The cost of auto insurance is influenced by a wide range of factors. Together, these variables shape the overall cost of auto insurance. With this in mind, it can be helpful to better understand how the following elements may impact your rates:
Insurance Policy

Why Personal Liability Insurance is Essential for Homeowners, Condo Owners, and Renters

An essential part of home, condo & renter coverage often overlooked is personal liability insurance, which provides financial protection if you’re legally responsible for causing bodily injury or property damage to another person, both on and off your property.
Spam Phishing Scam

Recognize Spam and Phishing Emails

As more of our daily lives move into cyberspace, hackers, cybercriminals and spam bots may lurk behind every new message that shows up in your inbox. Even robust spam filters may not be able to catch every unwelcome email. Fortunately, you can act as an additional line of defense for yourself and your electronic devices by understanding the warning signs of spam and phishing emails.
Distracted Driving

How Distracted Driving and Texting Impact Your Auto Insurance Premiums

One major reason for auto insurance premiums going up is the rise in distracted driving, especially texting while driving. Distracted driving has become a leading cause of accidents, pushing up costs for insurance companies and, ultimately, leading to higher premiums for all drivers.
Apartment living room

Keep Your Home Safe While on Vacation

Taking a trip and exploring the world is fun, but leaving your home unoccupied has some risks.  Before departing, protect your property from accidents and criminals by considering the following precautions.