{"id":63680,"date":"2025-11-25T15:12:03","date_gmt":"2025-11-25T21:12:03","guid":{"rendered":"https:\/\/www.callicottinsurance.com\/ms\/posts-news\/deer-season-avoiding-collision-what-to-do\/"},"modified":"2025-11-25T15:12:03","modified_gmt":"2025-11-25T21:12:03","slug":"deer-season-avoiding-collision-what-to-do","status":"publish","type":"post","link":"https:\/\/www.callicottinsurance.com\/ms\/posts-news\/deer-season-avoiding-collision-what-to-do\/","title":{"rendered":"Deer Season on the Road: Avoiding a Collision and What to Do If One Happens"},"content":{"rendered":"\n<div class=\"bpsc-article\"><p class=\"bpsc-lede\">Every autumn, deer start showing up in places they rarely seem to be the rest of the year: the shoulder of the highway, the edge of a subdivision, the middle of a two-lane road at dusk. Breeding season and hunting pressure keep them moving from roughly October through December, and drivers feel the consequences. Knowing when and where deer travel, and how to react when one appears, can keep a scary moment from becoming a serious crash.<\/p><div class=\"bpsc-takeaways\"><p class=\"bpsc-takeaways__title\">Key Takeaways<\/p><ul><li>Deer are most active around dawn and dusk, and fall is peak season for collisions.<\/li><li>One deer usually means more nearby, so slow down after the first one crosses.<\/li><li>Brake firmly and stay in your lane rather than swerving into traffic or off the road.<\/li><li>After a strike, get to safety, keep away from the animal and document everything.<\/li><li>Animal collisions are typically handled under comprehensive coverage, if you carry it.<\/li><\/ul><\/div><div class=\"bpsc-highlight\"><p>The Federal Highway Administration has estimated that U.S. drivers are involved in one to two million collisions with large animals each year, and deer account for most of them.<\/p><\/div><h2>Know When and Where Deer Travel<\/h2><p>Deer follow routines, and learning them is your best defense.<\/p><ul><li><strong>Timing.<\/strong> Early morning and the hour or two around sunset are the riskiest times. In fall, those hours often overlap with commutes, especially after the clocks fall back.<\/li><li><strong>Terrain.<\/strong> Watch for wooded edges, creek crossings, farm fields and any spot where trees come close to the road.<\/li><li><strong>Signs.<\/strong> Yellow deer crossing signs mark places with a history of crossings. Take them seriously.<\/li><li><strong>Your own route.<\/strong> If you have seen deer at a certain bend on your way to work, expect them there again.<\/li><\/ul><h2>Driving Habits That Lower Your Risk<\/h2><ol class=\"bpsc-steps\"><li><strong>Scan the edges.<\/strong> Look beyond the pavement into ditches and tree lines. Eyeshine from headlights often gives deer away before you see their bodies.<\/li><li><strong>Use high beams when it is safe.<\/strong> On empty roads, brighter lights help you spot animals sooner. Dim them for oncoming traffic.<\/li><li><strong>Slow down in deer country.<\/strong> Lower speed gives you more time to stop and reduces damage if contact happens.<\/li><li><strong>Expect a group.<\/strong> Deer rarely travel alone. If one crosses, brake and wait for followers.<\/li><li><strong>Buckle up every time.<\/strong> A seat belt is your best protection if a collision happens or you have to brake hard.<\/li><\/ol><div class=\"bpsc-callout bpsc-callout--warning\"><p class=\"bpsc-callout__label\">Do Not Swerve<\/p><p>Jerking the wheel to miss a deer can send you into oncoming traffic, a tree or a ditch, which is often far more dangerous than the deer itself. Brake firmly, hold your lane and keep both hands on the wheel.<\/p><\/div><h2>What About Deer Whistles and Other Gadgets?<\/h2><p>Hood-mounted whistles and similar devices are inexpensive and popular, but research has not shown that they reliably keep deer off the road. If you use one, treat it as a bonus rather than a replacement for attention and speed control. The same goes for sharing reminders with family: a quick &#8220;watch for deer tonight&#8221; to a teen driver may do as much good as any gadget.<\/p><h2>If You Hit a Deer: A Step-by-Step Plan<\/h2><h3>Right away<\/h3><ul class=\"bpsc-checklist\"><li>Pull completely off the road if your car is drivable, and turn on your hazard lights.<\/li><li>Check yourself and your passengers for injuries and call 911 if anyone is hurt.<\/li><li>Stay in the vehicle if you are on a busy road and it is unsafe to get out.<\/li><\/ul><h3>Once you are safe<\/h3><ul class=\"bpsc-checklist\"><li>Keep your distance from the deer. A hurt animal can kick or thrash and cause serious injury.<\/li><li>Photograph the damage to your vehicle, the scene and the road conditions.<\/li><li>Contact local police, the sheriff or your state wildlife agency, especially if the deer is blocking traffic. A report is not always required, but it can help support an insurance claim.<\/li><li>Look for leaking fluids, broken lights, a damaged radiator or a loose bumper before deciding whether to drive or call for a tow.<\/li><\/ul><p>Some states have rules about who may keep a deer killed in a collision. If that is something you are considering, check with your local wildlife agency first.<\/p><h2>How Insurance Typically Handles Deer Collisions<\/h2><div class=\"bpsc-compare\"><div class=\"bpsc-compare__col\"><h4>Hitting the deer<\/h4><ul><li>Usually falls under comprehensive coverage<\/li><li>Comprehensive is optional unless your lender requires it<\/li><li>Your comprehensive deductible would generally apply<\/li><\/ul><\/div><div class=\"bpsc-compare__col\"><h4>Swerving and hitting something else<\/h4><ul><li>Striking a guardrail, tree or another car is usually a collision claim<\/li><li>Collision coverage is also optional on many policies<\/li><li>May be treated differently for rating purposes than an animal strike<\/li><\/ul><\/div><\/div><p>If you carry only liability coverage, damage to your own car from a deer strike generally would not be covered. Policies and terms vary, so it is worth confirming what you have before deer season peaks. Roadside assistance or towing coverage can also be helpful if your car cannot be driven after a strike.<\/p><div class=\"bpsc-callout bpsc-callout--tip\"><p class=\"bpsc-callout__label\">Insurance Angle<\/p><p>If you drive rural roads at dawn or dusk, ask Callicott Insurance Agency whether your comprehensive deductible still makes sense for your budget. A lower deductible may cost a bit more but could ease the hit if a deer finds you first.<\/p><\/div><div class=\"bpsc-faq\"><h2>Frequently Asked Questions<\/h2><details><summary>Will a deer collision raise my rates?<\/summary><p>Comprehensive claims such as animal strikes are often treated differently from at-fault accidents, but rating practices vary by insurer and state.<\/p><\/details><details><summary>Should I call my insurer even if the damage looks minor?<\/summary><p>Modern bumpers can hide damage to sensors, cooling systems and mounts. Getting an estimate and discussing it with your agent helps you decide whether to file.<\/p><\/details><details><summary>Are deer collisions more common in certain months?<\/summary><p>Fall, particularly October through December, is the peak period in much of the country due to breeding season and increased movement.<\/p><\/details><\/div><div class=\"bpsc-cta\"><p class=\"bpsc-cta__title\">Be Ready Before Deer Season Peaks<\/p><p>Contact Callicott Insurance Agency to review your auto coverage and make sure you are comfortable with how an animal collision would be handled.<\/p><\/div><p class=\"bpsc-disclaimer\">This article is for general information only. Coverage varies by insurer, policy and state; review your own policy or talk with a licensed agent about your situation.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Fall is peak season for deer collisions. Learn when deer move, how to react when one appears, what to do after a strike and how insurance usually responds.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","omw_enable_modal_window":"enable","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[9],"tags":[1487,1541,1581,1582],"class_list":["post-63680","post","type-post","status-publish","format-standard","hentry","category-posts-news","tag-auto-insurance","tag-comprehensive-coverage","tag-deer-collisions","tag-fall-driving","entry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Senatobia MS Insurance - Fall is peak season for deer collisions. 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