Deer Collision Risk Peaks in November and December

If you’ve ever experienced the proverbial “deer in the headlights” situation, you know how sudden it is when a deer darts across the road. And, if you or someone you know has experienced a deer collision, you appreciate the damage deer can cause and are grateful for a near miss. Please be extra careful while driving October through December. Increased deer activity during their migration and mating season causes a sharp increase in auto accidents involving deer.

The risk for deer collisions is three 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 more than 1.5 million deer-vehicle collisions occur 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.

How Hitting a Deer Impacts Your Insurance

The comprehensive coverage part of an auto policy typically covers hitting a deer because it’s not an “at fault” accident. Since no fault is assigned, there is usually no impact on your auto insurance rates.

However, it’s important to note that there must be physical contact with the deer for it to be considered a comprehensive loss claim. Suppose you swerve to avoid a deer (or any other type of unexpected road hazard) and hit another object. In that case, the accident will fall under the collision coverage, considered an “at fault” accident, typically resulting in a surcharge that may increase your insurance rates.

Tips to prevent deer accidents

You can take steps to reduce your chances of deer-vehicle accidents.

  • Use extra caution between dusk and dawn – Deer tend to be nocturnal, so you’re more likely to see them between these hours.
  • Stay alert – Being alert may help you spot deer and allow you to react quickly. Watch for deer crossing signs.
  • Use your high beams – When driving at night, use your high beams when possible to illuminate the side of the road and further ahead. Greater visibility will give you more reaction time.
  • Be aware – Watch for deer-crossing signs. If you travel the same routes and notice deer frequently in the same areas, please make a mental note to be careful.
  • Slow down – If you see an animal at the side of the road, slow down as they move unpredictably.
  • Don’t swerve…Brake – Swerving could cause you to lose control or hit another car/object, which is likely more dangerous than hitting the deer. Brake as quickly and safely as you can. Being alert will help you avoid the temptation to swerve to avoid the unexpected.
  • Where there is one, there’s usually more – Deer travel together. If you see one, it’s likely three more. Slow down, and if one crosses the road, assume others may follow.

While you can’t control where deer or other wildlife will show up or how they will behave, being alert, especially during the months when they are more active, can help you avoid accidents—saving you money and saving your life.

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

Source: Highway Loss Data Institute

Read Other Blog Posts

Driver with phone

Preventing Distracted Driving

According to the National Safety Council, more than 3,000 people die each year as a result of distracted driving crashes. Keep reading to learn what you can do to reduce potential distractions while you drive—keeping both yourself and others safe on the road.

Financial Literacy Month: Building Confidence in Your Financial Future

April is Financial Literacy Month, a time to strengthen your understanding of budgeting, saving, and planning. From managing daily expenses to protecting your assets with the right insurance, financial knowledge helps you make smarter decisions and build a more secure future.
500 Blog Posts

500 Blog Posts and Counting: A Milestone Worth Celebrating

We are celebrating our 500th blog post, marking years of consistently helping clients, partners, and communities navigate the complexity of insurance, reduce risk, and make more informed decisions through clear, practical, and easy-to-understand guidance they can rely on every day.
Roof & Gutter Care Homeowners Manual

Roof & Gutter Care | Homeowner’s Manual Blog Series

Your roof and gutters are your home’s first line of defense against the elements. Learn how simple maintenance steps can prevent costly repairs, reduce water damage risk, and help avoid insurance claim issues. Stay ahead with practical tips every homeowner should follow.
Massachusetts RMV Text Scams Are Rising How to Protect Yourself

Massachusetts RMV Text Scams Are Rising: How to Protect Yourself

Massachusetts drivers are being targeted by RMV text scams demanding payment and personal information. Learn how these smishing attacks work, what national data shows, and how to recognize red flags, avoid fraudulent links, and protect yourself from identity theft and financial loss.
Understanding the Importance of Umbrella Insurance Why It’s Worth Considering

Understanding the Importance of Umbrella Insurance: Why It’s Worth Considering

Most of us already have auto, home, and life insurance—but what about an umbrella policy? While it may seem like extra coverage you don’t need, an umbrella policy can provide crucial protection that goes beyond the limits of your existing insurance. It’s designed to safeguard your assets and give you added peace of mind when life’s unexpected situations arise.
What to Do When Ice Dams Form A Practical Guide for New England Homeowners

What to Do When Ice Dams Form: A Practical Guide for New England Homeowners

Ice dams can form quickly during New England winters and lead to leaks, interior damage, and costly repairs. Learn what causes ice dams, the early warning signs to watch for, and the safest steps to take if one has already formed. This guide also shares simple prevention tips to help protect your roof and home throughout the winter.
Carbon Monoxide Safety for Your Home and Your Vehicle

Carbon Monoxide Safety for Your Home and Your Vehicle

Carbon monoxide is a silent winter danger that can affect anyone, whether you’re at home or sitting in your vehicle during a storm. Heavy snow, blocked vents, and improvised heating sources can cause CO to build up quickly without warning. This guide explains the most important do‑nots, safer alternatives, and key precautions to help protect your household, your passengers, and your neighbors during severe winter weather.
Mardi Gras 2

Mardi Gras: Taste of the Chamber Brings Local Flavor and Networking to Marlborough

Murphy Insurance proudly sponsored and attended the Mardi Gras: Taste of the Chamber event hosted by the Marlborough Regional Chamber of Commerce. Laura and Aida joined local businesses and community leaders for an evening of networking, great food, and celebration while supporting the region’s vibrant business community.

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.