{"id":134887,"date":"2025-05-27T00:27:14","date_gmt":"2025-05-27T00:27:14","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/"},"modified":"2025-05-27T00:27:14","modified_gmt":"2025-05-27T00:27:14","slug":"will-my-insurance-go-up-if-i-hit-a-deer","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/","title":{"rendered":"Will my insurance go up if I hit a deer?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Will_my_insurance_go_up_if_I_hit_a_deer\" title=\"Will my insurance go up if I hit a deer?\">Will my insurance go up if I hit a deer?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Can_I_avoid_hitting_a_deer\" title=\"Can I avoid hitting a deer?\">Can I avoid hitting a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#What_should_I_do_if_I_hit_a_deer\" title=\"What should I do if I hit a deer?\">What should I do if I hit a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Does_hitting_a_deer_count_as_an_at-fault_accident\" title=\"Does hitting a deer count as an at-fault accident?\">Does hitting a deer count as an at-fault accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Will_my_insurance_rates_go_up_if_I_file_a_claim_for_hitting_a_deer\" title=\"Will my insurance rates go up if I file a claim for hitting a deer?\">Will my insurance rates go up if I file a claim for hitting a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#What_if_I_swerve_to_avoid_a_deer_and_hit_something_else\" title=\"What if I swerve to avoid a deer and hit something else?\">What if I swerve to avoid a deer and hit something else?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Does_hitting_a_deer_affect_my_driving_record\" title=\"Does hitting a deer affect my driving record?\">Does hitting a deer affect my driving record?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Will_my_insurance_cover_a_rental_car_if_my_vehicle_is_damaged_by_hitting_a_deer\" title=\"Will my insurance cover a rental car if my vehicle is damaged by hitting a deer?\">Will my insurance cover a rental car if my vehicle is damaged by hitting a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Can_hitting_a_deer_cause_hidden_damage_to_my_vehicle\" title=\"Can hitting a deer cause hidden damage to my vehicle?\">Can hitting a deer cause hidden damage to my vehicle?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Can_I_prevent_hitting_a_deer_with_vehicle_modifications\" title=\"Can I prevent hitting a deer with vehicle modifications?\">Can I prevent hitting a deer with vehicle modifications?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Will_my_insurance_cover_injuries_if_I_hit_a_deer\" title=\"Will my insurance cover injuries if I hit a deer?\">Will my insurance cover injuries if I hit a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#Should_I_report_hitting_a_deer_even_if_there_is_no_visible_damage\" title=\"Should I report hitting a deer even if there is no visible damage?\">Should I report hitting a deer even if there is no visible damage?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Will_my_insurance_go_up_if_I_hit_a_deer\"><\/span>Will my insurance go up if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hitting a deer with your car can be a scary and unexpected event, but it&#8217;s important to understand how it might affect your insurance rates. The short answer is maybe, but it depends on your specific insurance policy and the circumstances of the accident. <\/p>\n<p>If you have comprehensive coverage on your policy, which covers damage to your vehicle that is not caused by a collision, hitting a deer would typically fall under this category. In this case, your rates may not go up since comprehensive claims are often not considered at-fault accidents. However, your deductible will still apply, so you will need to pay that amount before your insurance kicks in to cover the rest of the cost.<\/p>\n<p>If you only have liability coverage, which is required by law in most states and covers damage you cause to someone else&#8217;s property, you would not be covered for hitting a deer. In this situation, any repairs to your vehicle would have to come out of your own pocket.<\/p>\n<p>It&#8217;s always a good idea to check with your insurance provider to verify how hitting a deer would be covered under your specific policy. They can give you more details on what to expect in terms of rate increases or coverage limitations.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_avoid_hitting_a_deer\"><\/span>Can I avoid hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While it&#8217;s not always possible to avoid hitting a deer, there are some steps you can take to reduce your chances. Be especially cautious during dawn and dusk when deer are most active, and always scan the road ahead for any signs of wildlife.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_should_I_do_if_I_hit_a_deer\"><\/span>What should I do if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you hit a deer, pull over to a safe location and turn on your hazard lights. Contact the police to report the incident and take photos of any damage to your vehicle. Avoid approaching the deer, as injured animals can be dangerous.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_hitting_a_deer_count_as_an_at-fault_accident\"><\/span>Does hitting a deer count as an at-fault accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In most cases, hitting a deer with your vehicle is not considered an at-fault accident since it is typically classified as a comprehensive claim. However, it&#8217;s always best to check with your insurance provider to confirm.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_my_insurance_rates_go_up_if_I_file_a_claim_for_hitting_a_deer\"><\/span>Will my insurance rates go up if I file a claim for hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Filing a claim for hitting a deer may not necessarily lead to an increase in your insurance rates, especially if you have comprehensive coverage. However, it&#8217;s always possible that your rates could go up depending on your insurance provider&#8217;s policies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_if_I_swerve_to_avoid_a_deer_and_hit_something_else\"><\/span>What if I swerve to avoid a deer and hit something else?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you swerve to avoid hitting a deer and end up hitting something else, such as another vehicle or a stationary object, it could be considered an at-fault accident. This could potentially lead to an increase in your insurance rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_hitting_a_deer_affect_my_driving_record\"><\/span>Does hitting a deer affect my driving record?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Hitting a deer typically does not affect your driving record since it is considered a comprehensive claim rather than a collision. However, any citations you receive related to the accident could impact your record.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_my_insurance_cover_a_rental_car_if_my_vehicle_is_damaged_by_hitting_a_deer\"><\/span>Will my insurance cover a rental car if my vehicle is damaged by hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you have rental car coverage on your insurance policy, it may cover the cost of a rental car while your vehicle is being repaired after hitting a deer. Check with your provider to see if this coverage is included in your policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_hitting_a_deer_cause_hidden_damage_to_my_vehicle\"><\/span>Can hitting a deer cause hidden damage to my vehicle?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, hitting a deer can cause hidden damage to your vehicle that may not be immediately apparent. It&#8217;s important to have a professional inspection to assess any potential hidden damage and ensure that your vehicle is safe to drive.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_prevent_hitting_a_deer_with_vehicle_modifications\"><\/span>Can I prevent hitting a deer with vehicle modifications?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While there are some vehicle modifications that may help reduce the risk of hitting a deer, such as adding deer whistles or installing a grille guard, there is no guarantee that these measures will prevent a collision. It&#8217;s still important to stay alert and drive cautiously.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_my_insurance_cover_injuries_if_I_hit_a_deer\"><\/span>Will my insurance cover injuries if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you are injured as a result of hitting a deer, your insurance policy&#8217;s medical payments coverage may help cover your medical expenses. Check with your provider to see if this coverage is included in your policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_report_hitting_a_deer_even_if_there_is_no_visible_damage\"><\/span>Should I report hitting a deer even if there is no visible damage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, it&#8217;s always a good idea to report hitting a deer to your insurance provider even if there is no visible damage to your vehicle. This can help protect you in case any hidden damage becomes apparent later on.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Will my insurance go up if I hit a deer? Hitting a deer with your car can be a scary and unexpected event, but it&#8217;s important to understand how it might affect your insurance rates. The short answer is maybe, but it depends on your specific insurance policy and the circumstances of the accident. If &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Will my insurance go up if I hit a deer?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-i-hit-a-deer\/#more-134887\">Read more<span class=\"screen-reader-text\">Will my insurance go up if I hit a deer?<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-134887","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will my insurance go up if I hit a deer?<\/title>\n<meta name=\"description\" content=\"Will my insurance go up if I hit a deer? 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