Introduction
It’s that time of year again: deer season in Ohio. While the crisp fall air and beautiful scenery make for perfect road trips, they also bring an increased risk of deer-related accidents. In Ohio, thousands of deer collisions occur each year, and the damages can be costly. Is your auto insurance ready to protect you during deer season? Let’s explore what you need to know to stay safe and avoid unnecessary expenses.
Deer-Related Accidents in Ohio: A Growing Concern
According to the Ohio Department of Natural Resources, Ohio drivers have a high risk of hitting a deer, especially in rural areas. These accidents can result in serious vehicle damage, injuries, or worse. Understanding how your insurance policy responds to such incidents is crucial.
What Kind of Coverage Do You Need for Deer Collisions?
Many drivers assume their basic auto insurance will cover any accident, but this isn’t always the case. Here’s the coverage you’ll need to ensure you’re protected:
- Comprehensive Coverage
Deer-related accidents are typically covered under comprehensive insurance, not collision coverage. Comprehensive insurance pays for damage to your car caused by events other than a collision, including hitting a deer. Without comprehensive coverage, you’ll be paying for repairs out of pocket. - Collision Coverage
If you swerve to avoid a deer and hit a tree or another vehicle, collision coverage will come into play. This part of your policy covers damage to your car in case of a crash, regardless of fault. However, it doesn’t apply if you hit the deer directly—that’s where comprehensive coverage is necessary. - Rental Reimbursement
If your vehicle is severely damaged in a deer collision, you may need a rental car while repairs are being made. Having rental reimbursement coverage in your policy can help with the costs of a rental vehicle while your car is in the shop. - Medical Payments or Personal Injury Protection (PIP)
If the deer collision results in injuries to you or your passengers, medical payments coverage or personal injury protection can help cover medical expenses. These coverages are especially important if you don’t have health insurance that would cover these costs.
Why Deer Season Matters for Ohio Drivers
Deer season in Ohio typically runs from late fall through early winter, peaking in October and November. During this time, deer are more likely to be active and on the move, especially around dusk and dawn. This means the chances of encountering a deer on the road are much higher. Drivers need to be extra cautious, but having the right insurance coverage is essential for peace of mind.
How to Stay Safe During Deer Season
- Stay Alert: Deer are most active at dawn and dusk, so be extra vigilant during these times, especially in rural areas or near woods.
- Use Your High Beams: When driving at night, use your high beams when there’s no oncoming traffic to spot deer from a greater distance.
- Brake, Don’t Swerve: If a deer is in your path, brake firmly and stay in your lane. Swerving can lead to a more serious accident.
- Look for Groups: Deer often travel in groups. If you see one, there are likely more nearby.
- Know Where to Expect Deer: Pay attention to deer crossing signs and areas where deer are commonly seen.
How Preferred Insurance Center Can Help
At Preferred Insurance Center, we’re committed to protecting and improving your life so you can focus on what really matters. Our team of professionals will help you review your auto insurance policy to ensure you have the coverage you need, especially during deer season. With the right insurance, you can drive with peace of mind, knowing you’re covered for unexpected events.
Summary
Deer season in Ohio brings a higher risk of collisions, but with the right auto insurance coverage, you can protect yourself from expensive repairs and medical bills. Make sure you have comprehensive coverage, collision coverage, and any additional protection you might need. Stay alert, drive safely, and let Preferred Insurance Center take care of the rest.
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