Insurance

Does Car Insurance Cover Hitting a Deer?, Allstate updateWell, hitting a tree or another car is certainly different than the random and unpredictable act of a deer dashing across a highway or rural road. And comprehensive coverage may help cover damage to your car from random, unpredictable incidents, such as theft, fire and vandalism — or hitting a deer.

Insurance policies may not cover accidents with deer, KOMU, Oct 21, 2015Missouri drivers need to be aware of premiums in their insurance policies that might not be returned in the event of an accident involving a deer. House Bill 1022 went into affect on August 28, and the Missouri Department of Insurance, Financial Institutions & Professional Registration issued a statement Wednesday reminding Missourians that allows insurers the option to refuse to return premiums to policyholders as a result of not at fault accidents, such as those involving deer.

Collisions with fixed objects and animals, Insurance Institute for Highway Safety and Insurance Loss Institute, 2014From 1975 to the mid 2000s there was a general upward trend in deaths from collisions with animals, but this trend has leveled off in the past few years. These deaths increased from 89 in 1975 to 223 in 2007 and then declined to 191 in 2013. In 2013, deaths in collisions with animals occurred most often during July-September.

Animal strike losses, 2011-13 passenger cars, pickups, SUVs, and vans, Insurance Institute for Highway Safety and Insurance Loss Institute, September 2014Passenger vehicles from the 2011–13 model years had a combined animal strike claim frequency of 7.9 claims per 1,000 insured vehicle years and a claim severity of $3,384. The result was an overall loss of $27.

Point of impact distribution for animal strike claims, Insurance Institute for Highway Safety and Insurance Loss Institute, September 2014assenger vehicles from the 2011–13 model years had a combined animal strike claim frequency of 7.9 claims per 1,000 insured vehicle years and a claim severity of $3,384. The result was an overall loss of $27.

Losses due to animal strikes, Insurance Institute for Highway Safety and Insurance Loss Institute, April 2014Animal strike claims typically rise dramatically in the fall, peaking in November. This analysis of claims from 2006 through 2013 shows claim frequency in November was more than twice the average for the study period and about 3½ times the average for August, when such claims are least likely to be filed. West Virginia, Iowa, and Pennsylvania are the states with the highest November claim frequency for animal strikes.

Colliding with deer is costly, especially for some vehicles, Insurance Institute for Highway Safety and Insurance Loss Institute 2014Eighty-seven percent of animal-strike claims involve the front of a vehicle. The next most frequent impact point is to the driver side of the vehicle (7 percent), followed by the passenger side (5 percent) and rear (1 percent). In contrast, 52 percent of collision claims involve the front of a vehicle, followed by rear impacts at 28 percent, the passenger side (11 percent) and driver side (10 percent).

When a Deer Crashes Into Your Auto Insurance, Fox Business, Nov 7, 2013Which animal poses the biggest threat to humans? Bears, maybe? Or sharks? Nope — in North America, at least, the answer is: Bambi.

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