Fall is here in full effect and Winter is on its way. With the red and golden landscapes, hot cider and crisp air comes an increase in car insurance claims due to animal-related crashes, especially from deer. November is the peak month for deer-related crashes nationally and Virginia leads with the highest number of occurrences. Because of this, the State Corporation Commission’s Bureau of Insurance encourages all drivers to be careful when driving, especially early or late in the day in areas where deer are present.

Virginia State Insurance Commissioner Jacqueline K. Cunningham reports deer mating season and associated movement patterns are the primary reasons for the increase in deer-related car accidents during the Fall season. She encourages Virginia drivers to watch out for any types of wildlife on or near the highway. Cunningham recommends contacting an insurance agent for specific coverage.

Insurance protection from damages related to accidents involving deer or other animals is optional, commonly grouped with other optional collision protection. This includes situations like flooding, fire, theft, and criminal damage. Bear in mind that basic plans for liability protection will not cover damages to a vehicle or occupants caused by collisions with deer or other animals.

At last half of all accidents involving deer occur during the last quarter of the year; the months of October, November, and December. During this time of year, the beautiful changing seasons draw more traffic to scenic wooded locations. At the same time, deer mating seasons leads to a marked increase in activity, while reduced daylight hours limit roadway visibility. All these lead factors and more lead to an increase of vehicles and deer sharing the same stretch of road.

According to the National Highway Traffic Safety Administration, more than 1.5 million collisions with deer are recorded each year. These lead to a shockingly-high 200 deaths per year, and more than 10,000 injuries of varying degree. These collisions cause monetary damages in excess of over $1 billion annually.

During the Fall, deer are going to be on the roadway. To help decrease the chances of hitting deer while driving, exercise caution while driving through wooded areas. If you spot deer, slow down and be prepared to stop if the deer enter the road. If a collision is unavoidable, stay in the proper lane decrease speed as much as safely possible to limit damage to the vehicles and persons involved. If a deer is struck, call the police and your insurance agent as soon as safe to do so. Take pictures of the crash site, vehicle damage and any damage to the vehicle. In the case a claim is submitted, these will likely help. Check for leaks, tire pressure, light function, and inspect for damage. If the car feels unsafe to drive,c call for a tow.

We’re always looking for good information about insurance subjects that may impact your health and wallet. Reach out any time for any insurance-related questions.