Easier said than done. Best to minimize the chances of an encounter. Deer are most active at dusk and dawn, which is the time to be especially vigilant. The mating season from October to December compounds the likelihood of a collision.
Hitting a deer is a terrifying experience for anyone who has, like Taylor.
“Deer hit you before you know what’s happening,” he said, recounting the time he hit a large buck. “Shakes you up.”
It could also shake up your premium, which is another reason to avoid the swerve.
“Let’s say you’re driving down the road and swerve to miss the deer and hit a tree or another vehicle, that act of swerving may mean you end up at fault, and could incur a surcharge,” Taylor said.
Hitting a deer shouldn’t result in an increase in your premium because it falls under comprehensive coverage, not collision coverage, which is at-fault coverage.
If you hit a deer, pull over to the roadside as safely as you can and resist the urge to approach the animal, Taylor advises.
“This is a wild animal, and it is a wild animal in shock,” Taylor said. “So don’t approach the deer; stay in your car and alert the local authorities.”