Worst States for Deer-Auto Accidents & Car Insurance Coverage Options

A study released November 14, 2006 found that deer-related automobile accidents were up nearly 6 percent in the past year. These numbers also included crashes with moose and elk.

The National Highway Traffic Safety Administration (NHTSA) says that approximately 1.5 million such crashes happen each year, but the numbers are on the rise. Urban sprawl has humans invading animal habitats and compounding matters are hunting regulations that have led to an increase in the deer population. All in all, $1.1 billion in property damage and 150 deaths are caused each year by deer-vehicle crashes.

Protect Yourself - Physically and Financially

The #1 thing you can do to avoid a deer-related accident is to be alert. Observe the speed limit and pay attention to deer crossing signs. Be especially cautious during the fall and winter - this is mating season for deer, and they leave the confines of the forest in search of mates.

Deer whistles, which are devices that attach to your vehicle's front bumpers, have also proven to be effective, according to insurance industry insiders. Consider making this purchase if you live in an area with a lot of deer.

Financially speaking, it is important to have adequate OTC (other-than-collision) insurance, which is also commonly referred to as "comprehensive" coverage. Deer accidents are not covered under collision insurance. Be aware of your limits and your deductible and make sure they're appropriate for you.

The Ten Worst States for Auto-Deer Crashes

According to the recent study, these ten states are the worst for auto-deer collisions.

1. Pennsylvania
2. Michigan
3. Illinois
4. Ohio
5. Georgia
6. Virginia
7. Minnesota
8. Texas
9. Indiana
10. South Carolina

If you live in any of these states, it is especially important for you to be adequately covered by other-than-collision (comprehensive) coverage.

How Much Coverage is Enough?

The average deer-related car insurance claim in 2006 is for $2,800 - $300 more than in 2005. If you live in an area with a lot of deer, particularly one of the top ten states listed above, you should consider lowering your other-than-collision deductible. Sure, this will result in higher monthly premiums, but if there is a decent chance that you will encounter a deer, the higher monthly charge will more than pay for itself. Since the average deer-related claim is for $2,800, a $1,000 out-of-pocket deductible expense could be very painful. If you drive a smaller vehicle, deer accidents almost inevitably result in broken glass, which is very expensive to repair.

The only way to make sure you have enough of the right kinds of coverage is to spend a little time increasing your car insurance IQ. Carinsurancerates.com is a great resource for doing this! Once you understand the basics, begin shopping around for the best car insurance rates and the right policy to fit your needs. A trained car insurance professional can guide you through the process, one-on-one, and help weigh the pros and cons of a higher deductible vs. lower premiums, various coverage limits, etc.