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Watch out for deer on the road this fall

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Mark Blog PhotoAccording to the Wisconsin Department of Transportation (WI DOT), October through December is the most accident-prone for deer-vehicle collisions.

Take proper precautions

Deer are the third most commonly struck object in Wisconsin (after auto-auto collisions and fixed-object collisions). In 2010, WI DOT reported a total of 16,947 deer-vehicle crashes.

  • If you see a deer, slow down and blow your horn; or flash your headlights to scare the deer away.
  • If you see a deer in front of you, brake firmly, don't swerve, stay in your lane. It is better to hit the deer than to swerve and lose control of your vehicle.
  • If you hit a deer, do not leave your vehicle. The injured deer could hurt you. Try to get your car off the road and call the police. 
  • Be attentive in the early morning and evening hours.
  • Pay close attention to deer crossing signs.
  • Wear your safety-belt, stay sober, and use your high beams where possible.

If I hit a deer with my car, will my insurance cover it?

Only if you carry comprehensive coverage on your vehicle. Collision coverage under an auto insurance policy doesn’t cover you if you hit a deer. Comprehensive coverage provides financial protection beyond that of collision coverage, including hail, theft, falling objects, and deer hits. Call your insurance company or agent and check your policies to see if you have comprehensive auto coverage. If you have a policy through Member Benefits, call us at 1-800-279-4010.

Mark Dannehl, Personal Insurance Consultant