Auto insurance

Michigan Drivers Urged to Review Auto Insurance Policies to Understand Vehicle Deer Collision Coverage | WKZO | All Kalamazoo

LANSING, MI (WKZO AM/FM) — The Michigan Department of Insurance and Financial Services is reminding motorists to review their auto insurance coverage now for the upcoming winter season.

The ministry wants them to understand what coverage may be available for damage caused by a collision between a vehicle and a deer.

They say that while these types of accidents happen year-round, the fall deer hunting season, coupled with shorter periods of daylight, often increases the number of these accidents, which can cost thousands of dollars. dollars to repair.

According to the Michigan Office of Highway Safety Planning, approximately 50,000 vehicle and deer crashes are reported each year in Michigan. About 80% of these collisions occur on two-lane highways between dusk and dawn, especially in the spring and during the fall hunting season.

Insurance officials suggest discussing policy coverage with a licensed insurance agent or company. In most cases, optional comprehensive coverage is suggested, which pays if a vehicle is stolen or for repairs if damaged by a falling object, fire, flood, vandalism or collision with an animal .

Here are some tips on what to do after a deer collision:

  • Pull off the road, use your emergency flashers, and watch for other vehicles if you get out of your vehicle.
  • Report the accident to the nearest police department and to your insurance company or agent.
  • Document the incident. If it’s safe to do so, take photos of the roadway, your surroundings, damage to your vehicle, and any injuries you or your passengers have sustained. If the witnesses stop, write down their account of what happened and ask for their contact information.
  • Do not approach the deer. Injured animals can be dangerous, and an animal that appears dead can only be stunned.
  • Do not assume that your vehicle is safe to drive. Check that your car can be driven after hitting a deer. Look for fluid leaks, loose parts, damaged tires, broken lights, a hood that won’t latch, and other safety hazards. If your vehicle seems unsafe in any way, call a tow.

A recent study conducted by AAA reported that Michigan residents pay an average of $130 million each year to repair vehicle damage caused by deer collisions.