What to Do When You Hit a Deer
Driving in Central Oregon offers beautiful scenery, but it also means sharing the road with wildlife. Hitting a deer is a terrifying, all-too-common event. Knowing the proper steps to take immediately afterward can protect your safety and simplify your insurance claim.
🛑 Safety First: Pull Over and Assess
Immediately after the collision, try to pull your vehicle safely to the side of the road and turn on your hazard lights. Your safety and the safety of any passengers are the priority. Check for injuries. Do not approach the animal; a wounded deer can be unpredictable and dangerous. Stay in your vehicle and call the police or local law enforcement to report the incident, especially if the deer is blocking the road or if you need assistance.
đź“ť Document and Report
Once it is safe, document the scene. Take photos of the damage to your vehicle, the road conditions, and the surrounding area. This evidence will be crucial when filing your claim. A police report, even if non-emergency, can also be beneficial to your insurance company.
đź“ž Contact UsÂ
When you’re ready, contact your agent or insurance company. Damages from striking a deer are typically covered under the Comprehensive Coverage part of your auto policy—not Collision. This is an important distinction! Comprehensive coverage is designed for “other than collision” events, such as theft, fire, or animal strikes. It’s essential to review your specific car insurance policy in Central Oregon to understand your coverage limits and deductible before you file.
Stay calm, follow these steps, and prioritize your safety. If you have questions about your coverage, a local insurance professional can help ensure you’re protected from unexpected encounters on the road.
To get a car insurance quote, or to learn more about the additional lines of coverage that we can offer you, contact us today by calling (541) 318-8835 or click here.
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