Deer Insurance
Deer insurance itself doesn't exist, but you can be covered by a different policy. Your policy must contain comprehensive coverage, sometimes referred to as other-than-collision coverage (OTC), to cover deer collisions. Different counties have different laws regarding deer insurance liability. Read our guide to learn more.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Dec 9, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 9, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Depending on where you live, hitting a deer may be a big concern to you, especially during certain times of the year.
Collisions with deer are far more numerous during mating season, which is typically between the months of October and December.
You may be covered by your auto insurance policy in the unfortunate event you have an accident involving a deer or any other wild animal, but it will depend on the type of coverage you purchased.
If you purchased a liability-only insurance policy, you’d be out of luck if you hit a deer with your car.
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Are deer accidents considered collision or comprehensive insurance?
Your policy must contain comprehensive coverage, sometimes referred to as other-than-collision coverage (OTC), in order to have the damage to your vehicle repaired by your insurance company.
In other words, you must have purchased a full coverage insurance policy.
This may seem counter intuitive, as the event can be described as colliding with a deer. Many people mistakenly believe this type of accident would trigger a collision insurance claim, but this is not the case. Insurance companies do not include this type of accident in the definition of a collision.
Read More: Does car insurance cover damage from hitting a deer?
In some states, you may be charged with a collision if you hit a slow moving animal standing in the road, as you are expected to avoid the accident.
Being charged with a collision claim will likely result in an increase in your insurance premium, and cost you a lot to repair vehicle damage, whereas comprehensive claims are not traditionally counted against you with regard to car insurance rates.
Please note that we are only discussing accidents involving wild animals. If you were to collide with a farm animal or someone’s family pet, the damage to your vehicle may be covered by the animal owner’s liability policy if there is one in force (an example would be a homeowner’s insurance policy).
Of course, when dealing with an accident caused by a family pet, you would have to be able to determine who owns the animal. This may be difficult if there are no tags and the owner is not willing to take responsibility for the matter.
If you are unable to verify who owns the animal, you may be stuck filing a claim under the comprehensive coverage on your policy.
Keep in mind that different counties have different laws regarding liability in this event. Check with your state department of insurance for laws in your state.
And don’t forget to speak with your independent insurance agent or insurance company to ensure you are properly covered.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.