Every year, thousands of drivers in Ohio — and especially here in Fairfield County — are involved in collisions with deer. These accidents tend to spike in the fall during mating season, and again in the spring when younger deer begin to explore on their own. At Bill Palmer Insurance in Lancaster, Ohio, we want our clients to understand the risks, know what to do if it happens, and make sure their insurance is working for them.
When and Where Deer Accidents Happen
Deer accidents most often happen at dawn and dusk, when visibility is low and deer are naturally active. October through December is considered the most dangerous season, although late spring also brings an increase. Drivers on rural roads or highways that border fields and wooded areas are especially vulnerable.
Here in Lancaster, many of our clients drive daily along Route 33, Route 22, Route 37, Route 188, and Route 158. These stretches are surrounded by farmland and wooded areas, which means deer often cross with little warning. Knowing the risks on these familiar roads can help you stay more alert.
The Real Costs of a Deer Collision
The impact of hitting a deer goes beyond a dented bumper. Repair bills can easily run into the thousands, especially with today’s vehicles that rely on sensitive sensors and electronics. Even if the damage looks minor, hidden issues can make repairs more costly. Beyond the financial hit, these collisions also cause thousands of injuries nationwide each year.
What to Do After Hitting a Deer
If you do hit a deer, the most important thing is to stay calm and safe. Pull over to the side of the road, turn on your hazard lights, and avoid approaching the animal — injured deer can be unpredictable. Take photos of the damage and surroundings if it’s safe to do so. Once you’re out of immediate danger, your next step should be contacting your insurance agent. At Bill Palmer Insurance, we’ll guide you through the claims process and help you understand what’s covered.
How Insurance Coverage Protects You
This is where the right coverage makes all the difference. Many drivers don’t realize that it’s comprehensive coverage, not collision coverage, that applies to accidents with animals. Comprehensive coverage will cover the costs over your deductible. If your policy also includes rental coverage, you may be able to stay on the road while your vehicle is being repaired.
Lowering Your Risk on the Road
Although deer accidents can’t always be avoided, you can reduce your chances. Slowing down in areas where deer are common, using your high beams when it’s safe, and staying alert during dawn and dusk all help. It’s also important to remember that deer rarely travel alone — if you see one, more are probably nearby. And while swerving may be a natural reaction, braking firmly is usually the safer choice.
The truth is, deer accidents can happen to anyone, no matter how careful a driver you are. But with the right insurance coverage in place, you can have peace of mind knowing you’ll be protected from the financial impact. If you’re unsure whether your current policy includes comprehensive coverage for deer accidents, contact Bill Palmer Insurance in Lancaster, Ohio today. We’ll be glad to review your coverage and make sure you’re prepared before deer season peaks.