Understanding the Risk of Animal Collisions
As the leaves change and the air turns crisp, November brings more than just the holiday season. According to the Insurance Institute for Highway Safety, insurance claims for crashes involving animals spike by approximately 3.5% in this month compared to others. Deer, in particular, are the primary cause of these incidents.
While these encounters can be alarming, there are proactive steps you can take to reduce the likelihood of hitting an animal with your vehicle. Here are some practical tips to help you stay safe on the road:
Tips to Minimize Animal Collisions
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Slow Down in High-Risk Areas: When driving through heavily wooded areas or places with dense underbrush, reduce your speed. Limited visibility can make it difficult to spot animals until it’s too late.
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Stay Alert: Keep your eyes on the road and scan for animals, both during the day and at night. Pay attention to “Deer Crossing” signs and other wildlife warnings.
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Minimize Distractions: Put away your phone, food, and drinks while driving. Staying focused can help you react quickly if an animal suddenly appears.
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Brake When Necessary: If you see an animal on the road, slow down, honk your horn, and tap your brakes to alert other drivers. However, always prioritize your safety and the safety of others on the road.
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Avoid Swerving: If a collision is unavoidable, try to maintain control of your vehicle. Swerving can lead to more severe accidents, such as veering off the road or hitting another vehicle.
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Use High Beams: On rural roads at night, use your high beams when possible. This can help you spot animals sooner and may deter them from crossing your path.
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Be Aware of Peak Seasons: Deer are more active from October to December due to mating season. During these months, be extra vigilant.
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Watch for Feeding Times: Animals are most active between dusk and dawn. Be especially cautious during these hours.
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Look for Multiple Animals: If you see one deer, there are likely more nearby. Slow down and be prepared for others to follow.
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Review Your Insurance Coverage: Speak with your insurance agent about comprehensive coverage to ensure you’re protected in the event of an animal collision.
Taking Action After an Incident
Even with precautions, animal collisions can sometimes be unavoidable. If you find yourself in such a situation, take a deep breath and ensure everyone in your vehicle is safe. Call 911 if necessary, and take photos of the scene when it’s safe to do so. Remember, there are various ways to submit a claim if needed.
For more information on how to protect yourself and your vehicle, reach out to our agency. We’re here to help you navigate your insurance options and provide the support you need.
