Will Insurance Go Up If I Hit a Deer

Deer on the road

Alberta is famous for its stunning scenery as well as an abundance of wild animal life. It is common to spot moose, deer and even elk alongside our roads and highways. Unfortunately, because of sharing our living environment with these creatures, automobile collisions, especially with deer, do occur.

Below, we will discuss what auto insurance coverage you need to protect yourself against a collision with a deer and if your insurance premiums will increase as a result of having an accident with wildlife.

What Coverage Will Protect Against an Auto-Deer Collision?

If you have comprehensive coverage on your auto insurance policy, colliding with a deer would be considered a covered loss and your coverage would help pay to repair or replace your vehicle from the resulting damage. Under the comprehensive coverage, any claim that is made for hitting a deer or other wildlife will not increase the premium.

Is There an Out-of-Pocket Expense?

When you purchase comprehensive coverage under an auto policy, you will need to choose a set deductible. A deductible is the amount of money that you are responsible to pay for out of pocket before the insurance company will pay for damages for a covered loss. For example, if the total amount of damage to your vehicle was $4,000 and your policy had a $500 deductible, you would be responsible for paying $500 towards the repair of your vehicle and your insurance company will pay the remaining $3,500.

Tips to Avoid Hitting a Deer

Always use extra caution, especially at dusk and dawn, when the animals are most active.

Some other helpful tips to be aware of include:

  • Be on the lookout for road signs that indicate frequent deer and other animal crossings and slow down accordingly.
  • If you spot an animal on the side of the road, drive with caution as there is usually a good chance that there may be more nearby.
  • Use high beams when possible to see animals which may be further away. High beams can help reflect an animal’s eyes which can give you time to slow your vehicle down and avoid a collision.
  • Slow down before any turns and curves on the road.
  • Keep your windshield as well as headlights clean for better visibility.

By driving with caution and knowing what tips can help prevent an accident can go a long way in helping drivers to avoid an unfortunate collision with an animal.

To get a free, no-obligation auto insurance quote, contact one of our knowledgeable insurance specialists today.