Last Updated October 24, 2025
Did you know the risk of hitting a deer increases from October through December? This period is considered deer season, so it’s important to stay alert while driving, especially in rural areas.
Being informed is key to protecting yourself, your passengers, and your vehicle. Here are some practical tips to lower your chances of a collision with wildlife this season.
When Should You Be Most Alert?
Wildlife can appear at any time, but deer and other animals are most active at dawn and dusk.
- Watch both sides of the road carefully, especially on highways or rural roads.
- If you’re driving with a passenger, ask them to help scan the road for animals.
If an Animal Jumps Out, Should You Swerve or Brake?
Always brake.
Swerving may seem instinctive, but it can lead to loss of control, accidents, or injuries. Instead:
- Hold the steering wheel firmly.
- Brake steadily and stay in your lane.
This is the safest way to minimize damage and protect yourself and others on the road.
Will My Insurance Cover a Collision With Wildlife?
Coverage depends on your auto insurance:
- Comprehensive insurance covers collisions with animals while driving.
- Collision insurance may apply if you swerve, miss the animal, and hit another object.
Since policies vary by carrier, your insurance company will determine coverage based on the situation.
Interesting Fact
The states with the highest deer/wildlife collision claims in November are:
West Virginia, Iowa, and Pennsylvania (Highway Loss Data Institute).
Questions About Your Auto Insurance?
If you have questions about your current auto insurance coverage, our independent insurance agency can help. We can:
- Review your policy
- Provide a re-quote for a better rate
- Answer any questions about your coverage
Stay safe this deer season and drive with awareness!
