How to steer clear of a common, large—and moving—hazard

As the deer populations grow and urban habitats continue to encroach upon rural environments, there has been an increase in deer-car collisions—over half a million a year, with a significant number of fatalities. Increased deer activity during the months of October thru December, which is their migration and mating season, causes a sharp increase in auto accidents involving deer. The risk for deer collisions is 3 times greater at this time of year according to the Highway Loss Data Institute (HLDI) statistics.

The Insurance Institute for Highway Safety (IIHS) estimates that there are more than 1.5 million deer vs. vehicle collisions each year. On average there are between 175 and 200 fatalities, and over 100,000 injuries every year. These accidents cause over $1 billion in vehicle damage. Fatal crashes are most likely to occur in rural areas and on roads with speed limits greater than 55 MPH.

To avoid hitting a deer, use these defensive driving tips

Deer-vehicle collisions are dangerous and costly so, though collision with an animal is covered under the comprehensive portion of your auto insurance policy, it’s always preferable to avoid an accident in the first place.

  • Be especially attentive during peak deer hours. From sunset to midnight and during the hours shortly before and after sunrise are the highest risk times for deer-vehicle collisions
  • Use extra caution when driving through deer-crossing zones. Also be especially careful in places known to have a large deer population and in areas where roads divide agricultural fields from forestland.
  • Know that deer seldom run alone. If you see one deer, others may be nearby.
  • Use high beam headlights if driving at night, when there is no oncoming traffic. The higher light will better illuminate the eyes of deer on or near the roadway.
  • Slow down and blow your horn with one long blast to frighten the deer away.
  • Brake firmly but stay in your lane when you notice a deer in or near your path. Many serious crashes occur when drivers swerve to avoid a deer and hit another vehicle or lose control of their cars.
  • Always wear your seat belt. Most people injured in car-deer crashes were not wearing a seat belt.
  • Do not rely on deer-deterring devices. Deer whistles, deer fences and reflectors have not been proven to reduce deer-vehicle collisions.
  • If your vehicle strikes a deer, do not touch the animal. A frightened and wounded deer can hurt you or further injure itself. The best procedure is to get your car off the road, if possible, and call the police.

In the event a deer damages your car, contact your insurance agent or company representative to report the incident.

Next steps: Had an accident?  Here’s what to do at the scene.

Source:  Insurance Information Institute

Visit Our Auto Insurance Page

Auto Insurance

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.

Read Other Blog Posts

Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flooding isn’t just a coastal problem—it’s a growing concern across MetroWest, Massachusetts. Whether you live in Framingham, Hudson, or Hopkinton, you may be surprised to learn your home is at risk. Learn how flood insurance can help protect your property from the damage that standard homeowners’ policies don’t cover.
Roundabout

Safe Driving Saves Money

For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.
Car driving

Buying a Car? Don’t Forget the Insurance Quote First!

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Shovel

Digging on Your Property? Here’s Why “Dig Safe” Should Be Your First Step

Under federal and state law, all homeowners and contractors are required to notify the appropriate utility companies before doing any excavation work. Keep reading to learn more about the standards for digging on your property.
What You Need to Know About Condominium Insurance in Groton MA

What You Need to Know About Condominium Insurance in Acton, MA

If you own a condo in Acton, MA, don’t assume the condo association’s master policy fully protects you. That policy typically covers the building’s exterior and shared spaces, but not the inside of your unit. Without your own Condominium Insurance, you could be on the hook for costly repairs to your walls, floors, or fixtures and replace personal belongings damaged by fire, water, or theft. It’s essential protection that helps ensure you’re not left paying out of pocket when the unexpected happens.
Sparkler 1200

Summer Fun and 4th of July Safety: Celebrating Smart

Summer is a time for BBQs, fireworks, family gatherings, and making the most of long days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER. Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.
Lightning

Lightning Storm Safety

Lightning storms light up the sky in dramatic fashion, but they’re also dangerous. A lightning strike can cause major injuries like burns, heart issues, or even brain damage. That’s why it’s important to know how to stay safe when one rolls into your area. Follow these helpful tips to help you stay safe.
Car in traffic

Risks of Lowering Auto Coverage

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.
Students

The Good Student Discount

Teens and young adults often face hefty auto insurance premiums because, statistically, new drivers are more likely to get into car accidents. However, most carriers offer a way to help offset some of this financial burden—a good student discount. Learn more about how to qualify.