Deer Strikes on the Rise – How to Stay Safe and Protected This Fall

With the arrival of fall, deer activity increases dramatically, and so does the risk of vehicle collisions. Shorter days, cooler weather, and peak mating season all contribute to more deer on the move, especially during dawn and dusk. At Kimberly Vassal Coe & Weimer Insurance Services (KVCW), we want our clients to be prepared with safety tips and the right insurance protection in place.

Why Deer Strikes Increase in Fall

• Mating Season (Rut): Deer are more active and unpredictable.

• Shorter Daylight Hours: More drivers are on the road at dawn and dusk—the times deer are most active.

• Rural and Suburban Roads: Even developed areas often border deer habitats, increasing risk for commuters.

Tips to Avoid Deer Collisions

1. Stay Alert at Dawn & Dusk: Slow down and be extra cautious during these high-activity times.

2. Use Your High Beams: When safe, high beams help illuminate eyes on the roadside.

3. Watch for the Herd: If you see one deer, assume more are nearby.

4. Don’t Swerve: Swerving can cause more severe accidents. Brake firmly and stay in your lane.

5. Use Extra Caution in Deer-Crossing Zones: Signs are placed in known high-traffic areas.

What to Do if You Hit a Deer

• Pull Over Safely: Turn on your hazard lights.

• Do Not Approach the Animal: Injured deer can be dangerous.

• Call Authorities: Report the incident, especially if the deer is blocking the road.

• Document the Scene: Take photos for insurance purposes.

• Contact Your Insurance Agent: Report the claim promptly so coverage can be applied.

Insurance Coverage You Need

Deer collisions are not covered under collision insurance; they fall under comprehensive coverage. Here’s what to check in your policy:

• Comprehensive Coverage: Covers damage from hitting an animal, as well as theft, vandalism, fire, and more.

• Rental Reimbursement: Helps cover a temporary vehicle while yours is being repaired.

• Roadside Assistance: Provides towing if your vehicle is disabled.

At KVCW, we can review your auto policy to ensure you’re fully protected this fall and beyond.

Deer strikes are an unfortunate reality of driving in Pennsylvania and surrounding areas during the fall. By staying alert behind the wheel and making sure you have the right coverage, you can reduce your risk and protect yourself financially if the unexpected happens.

Contact KVCW today to review your auto insurance policy and make sure you’re covered before deer season peaks.