How to Avoid Deer-Related Claims - NYCM Insurance Blog

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Oct 14, 2019

How to Avoid Deer-Related Claims


As autumn approaches, deer-related collisions are more likely to occur. Typically, October through January is mating season for deer in New York. This means deer are more likely to be active and make inconvenient strolls across the road.
Knowing the facts about deer activity in the fall can help you stay safe on the road and avoid accidents. 

According to our Claims Specialists, here are a few statistics:


  • You are most likely to hit a deer between the hours of 7 p.m. and 7 a.m.
  • You are also more likely to hit a deer in rural areas, but that doesn’t mean you shouldn’t drive cautiously in urban and suburban areas.
  • Over the last 2 years, deer-related claims have increased 21.8%. 
  • The average amount paid in animal collision-related damages has increased 12.5% since 2016 . 


What does this mean?


  • If you are hitting the road between 7 p.m. and 7 a.m., drive with caution.
  • Even if you aren’t driving in a rural area, you should always be watching for deer or other animals and road obstructions 
  • As the deer population continues to grow, deer-related collisions and accidents are inevitable. 
  • As vehicles become more advanced and more deer are present, the average claim payment will continue to increase over time. 


How to avoid a possible deer-related claim:


  • Use your high beams when possible
  • Watch for glowing eyes
  • Always drive defensively and with caution 
  • Wear your seat belt
  • Stay awake and alert
  • Watch for deer-crossing zones
  • Deer move in groups--if you see one, expect more to follow

Using these driving tips  can help you avoid a deer-related claim. If you do hit a deer have an action plan. Stay calm, move to the side of the road and call 911 immediately if you or a passenger are injured. 

Call your insurance agent as soon as possible to report possible damages. Understanding your policy and knowing what is covered will be helpful in the case of a deer related collision.


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