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Is hitting a deer an at-fault accident?
I moved to a rural area where deer are everywhere. They often run across the road, which is scary even if I see them ahead of time. For the sake of insurance, is accidentally hitting a deer considered an at-fault accident?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Deer running out in front of you is certainly something to be concerned about. The good news is that hitting a deer is not an at-fault accident. In the eyes of your insurance company, hitting a deer is an unavoidable accident.
In this case, your car insurance is unlikely to increase, even if you file a claim to repair damages to your car. However, it’s still a good idea to review your policy and make sure your insurance company didn’t increase your rates as a result of the claim.
Moreover, you should get an estimate on the damage to see if you need to file a claim or pay it out of pocket. If the damage is less than your deductible, you’re better off just paying for it without filing an insurance claim.
If you hit a deer, the only way to ensure you’re covered is if you have
comprehensive coverage
. If you don’t have this type of coverage already, use the Jerry
app to shop around for the best rate possible.Jerry is a licensed insurance broker that will collect quotes from over 50 top-rated insurers in minutes. After you find a great rate, Jerry can help you buy new
car insurance
and cancel your old policy. Users save an average of $887 per year.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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