If you’re wondering, “Does car insurance cover hitting a deer?” the short answer is yes, it can, depending on the type of coverage you have. However, the specifics vary by policy and coverage type.
Insurance Coverage for Injuries After Hitting a Deer
Alabama has mandatory auto insurance requirements that mandate liability coverage for bodily injury and property damage. However, many drivers choose to include additional coverage that could pay for injuries from hitting a deer.
Below are common types of coverage that may apply to losses from hitting a deer in Alabama:
- Personal injury protection (PIP) – If your policy includes PIP, it can help cover medical expenses and lost wages resulting from injuries sustained in the deer-hit accident. However, Alabama does not require PIP, so check your policy to see if you have it.
- Medical payments coverage (MedPay) – MedPay is an optional add-on and can cover your medical expenses. It is particularly useful for injuries from hitting a deer, as it offers immediate financial support for hospital bills, doctor visits, and rehabilitation.
- Comprehensive coverage – Although comprehensive insurance typically covers hitting a deer, it’s limited to vehicle repairs or replacement, not personal injuries.
- Collision coverage – Collision insurance covers damage to your vehicle after hitting a deer but does not extend to injuries. It’s important to differentiate between this coverage and coverage for medical costs.
- Health insurance – If your auto policy doesn’t cover medical costs, your next best option may be to file a claim with your health insurance.
Liability insurance (for passengers) – Liability insurance might not cover the driver’s injuries from hitting a deer. Still, it may help with passengers’ medical expenses and other losses if the driver was negligent in causing the crash.
How Common Are Deer-Related Accidents in Alabama?
Deer-related accidents are surprisingly common in Alabama. According to a recent study, drivers in Alabama have a 1-in-97 chance of colliding with a deer or another animal. The state ranks 21st for driver-animal collisions, with accidents peaking in the fall and early winter.
Tips to Prevent Deer Accidents
While accidents involving deer aren’t always avoidable, the following tips can reduce your risk:
- Stay alert. Deer are most active at dawn and dusk, and the risk is greater in the fall and winter during mating season. Heed deer crossing signs, too. These are areas known for frequent deer activity.
- Know how to brake, not swerve. If a deer suddenly appears in your path, brake firmly and stay in your lane. Swerving can lead to collisions with other vehicles or losing control of your car, making the situation worse.
- Watch for groups. Deer often travel in herds, especially around creeks, swamps, and wetlands. If you see one, expect more to follow. Stay extra cautious in these areas.
- Use your lights and horn. When driving at night, use high beams (when safe to do so) to improve visibility, especially in rural areas. Be ready to flash your lights or honk your horn to scare deer off the road while braking to avoid a collision.
Contact Our Alabama Car Accident Lawyers for More Information
If you were hurt after hitting a deer in Alabama, it can be challenging to get the money you need for medical care and other losses through a car insurance claim. Our experienced Alabama car accident lawyers are here to help you explore your legal options. We know how to deal with insurance companies to maximize your benefits.
Contact Morris King & Hodge, P.C., today for a free consultation.
