In fact, an estimated 1.22 million deer-vehicle collisions occurred in the U.S. between July 1, 2012, and June 30, 2013, a 3.5 percent decrease from a year ago, according to an analysis by State Farm, the nation’s leading auto insurer. However the average insurance claim for this type of collision in the same time period was $3,414, up 3.3 percent from the previous year with costs varying depending on the type of vehicle and severity of the damage.
The rise in average claim for deer-vehicle collisions may partly be due to rising repair costs. A 2013 CarMD Vehicle Health Index study found that for the first time in six years, the average auto repair cost rose 10 percent, while replacement part prices went up 6 percent in 2012, and labor charges rose 17 percent.
The severity of damage caused by these collisions may be on the rise as well. Allstate insurance claim data shows more than 5,000 vehicles were a total loss due to collisions with animals—an overwhelming majority of which were deer—in 2012. This is more than a 2 percent increase over 2011 and 14 percent over 2010.
The Insurance Institute for Highway Safety (IIHS) noted that deer-vehicle collisions in the U.S. cause about 200 fatalities annually. Furthermore, in a recent study of fatal animal crashes, IIHS reported that 60 percent of people killed were not wearing a seatbelt.
“Drivers should stay alert and pay particular attention to the sides of the road, especially during the hours just before dusk and dawn,” said Loretta Worters, vice president of the I.I.I. “and they should always wear their seatbelt.”
Damage caused by an accident with deer or other animals is typically covered under the optional comprehensive portion of an automobile insurance policy. Comprehensive also includes coverage for: fire, theft, vandalism or malicious damage, riot, flood, earthquake or explosion, hail, windstorm, falling or flying objects, damage due to contact with a bird or animal and sometimes, depending on the policy, windshield damage.
“If you swerve to miss a deer and hit an object, such as a tree, lamp post, fence or guardrail, the accident would fall under your collision coverage,” explained Worters.
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