{"id":135785,"date":"2025-05-01T07:49:46","date_gmt":"2025-05-01T07:49:46","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-your-insurance-go-up-if-you-hit-a-deer\/"},"modified":"2025-05-01T07:49:46","modified_gmt":"2025-05-01T07:49:46","slug":"does-your-insurance-go-up-if-you-hit-a-deer","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-your-insurance-go-up-if-you-hit-a-deer\/","title":{"rendered":"Does your insurance go up if you hit a deer?"},"content":{"rendered":"<p>Hitting a deer while driving can be a scary and dangerous experience. Besides the immediate concerns for your safety and the deer&#8217;s well-being, you may also wonder about the impact on your auto insurance rates. So, does your insurance go up if you hit a deer?<\/p>\n<p><b>Answer:<\/b> In most cases, hitting a deer is considered a comprehensive claim, not an at-fault accident. As such, it typically will not directly impact your insurance rates. However, each insurance company has its own policies, so it is best to check with your provider to be sure.<\/p>\n<p>While hitting a deer may not lead to an increase in your insurance rates, there are still other questions that may come to mind. Here are some related FAQs to consider:<\/p>\n<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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-your-insurance-go-up-if-you-hit-a-deer\/#1_Will_my_car_insurance_cover_hitting_a_deer\" title=\"1. Will my car insurance cover hitting a deer?\">1. Will my car insurance cover hitting a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-your-insurance-go-up-if-you-hit-a-deer\/#2_Do_I_need_to_file_a_police_report_if_I_hit_a_deer\" title=\"2. Do I need to file a police report if I hit a deer?\">2. Do I need to file a police report 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-3\" href=\"https:\/\/namso-gen.co\/blog\/does-your-insurance-go-up-if-you-hit-a-deer\/#3_Will_I_have_to_pay_a_deductible_if_I_hit_a_deer\" title=\"3. Will I have to pay a deductible if I hit a deer?\">3. Will I have to pay a deductible 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\/does-your-insurance-go-up-if-you-hit-a-deer\/#4_How_can_I_prevent_hitting_a_deer_in_the_future\" title=\"4. How can I prevent hitting a deer in the future?\">4. How can I prevent hitting a deer in the future?<\/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\/does-your-insurance-go-up-if-you-hit-a-deer\/#5_Will_hitting_a_deer_affect_my_no-claims_bonus\" title=\"5. Will hitting a deer affect my no-claims bonus?\">5. Will hitting a deer affect my no-claims bonus?<\/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\/does-your-insurance-go-up-if-you-hit-a-deer\/#6_Do_I_need_to_take_my_car_to_a_specific_repair_shop_after_hitting_a_deer\" title=\"6. Do I need to take my car to a specific repair shop after hitting a deer?\">6. Do I need to take my car to a specific repair shop after hitting a deer?<\/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\/does-your-insurance-go-up-if-you-hit-a-deer\/#7_Will_hitting_a_deer_raise_my_rates_with_all_insurance_companies\" title=\"7. Will hitting a deer raise my rates with all insurance companies?\">7. Will hitting a deer raise my rates with all insurance companies?<\/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\/does-your-insurance-go-up-if-you-hit-a-deer\/#8_Do_deer-related_accidents_happen_frequently\" title=\"8. Do deer-related accidents happen frequently?\">8. Do deer-related accidents happen frequently?<\/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\/does-your-insurance-go-up-if-you-hit-a-deer\/#9_Can_I_get_coverage_for_hitting_a_deer_if_I_only_have_liability_insurance\" title=\"9. Can I get coverage for hitting a deer if I only have liability insurance?\">9. Can I get coverage for hitting a deer if I only have liability insurance?<\/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\/does-your-insurance-go-up-if-you-hit-a-deer\/#10_Do_I_need_to_contact_animal_control_if_I_hit_a_deer\" title=\"10. Do I need to contact animal control if I hit a deer?\">10. Do I need to contact animal control 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-11\" href=\"https:\/\/namso-gen.co\/blog\/does-your-insurance-go-up-if-you-hit-a-deer\/#11_Will_hitting_a_deer_affect_my_driving_record\" title=\"11. Will hitting a deer affect my driving record?\">11. Will 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-12\" href=\"https:\/\/namso-gen.co\/blog\/does-your-insurance-go-up-if-you-hit-a-deer\/#12_What_steps_should_I_take_immediately_after_hitting_a_deer\" title=\"12. What steps should I take immediately after hitting a deer?\">12. What steps should I take immediately after hitting a deer?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Will_my_car_insurance_cover_hitting_a_deer\"><\/span>1. Will my car insurance cover hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Comprehensive coverage typically covers damage to your vehicle caused by hitting a deer or other animals.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Do_I_need_to_file_a_police_report_if_I_hit_a_deer\"><\/span>2. Do I need to file a police report if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> It is a good idea to file a police report for documentation purposes, especially if the damage is significant.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Will_I_have_to_pay_a_deductible_if_I_hit_a_deer\"><\/span>3. Will I have to pay a deductible if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Yes, if you have comprehensive coverage, you will likely have to pay a deductible before your insurance kicks in to cover the rest of the repair costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_can_I_prevent_hitting_a_deer_in_the_future\"><\/span>4. How can I prevent hitting a deer in the future?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Stay vigilant while driving, especially in areas known for deer crossings, and be cautious during dawn and dusk when deer are most active.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Will_hitting_a_deer_affect_my_no-claims_bonus\"><\/span>5. Will hitting a deer affect my no-claims bonus?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Since hitting a deer is often considered a comprehensive claim, it may not impact your no-claims bonus, but it&#8217;s best to confirm with your insurance provider.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Do_I_need_to_take_my_car_to_a_specific_repair_shop_after_hitting_a_deer\"><\/span>6. Do I need to take my car to a specific repair shop after hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> In most cases, you can choose the repair shop for your vehicle, but some insurance companies may have preferred providers for you to consider.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Will_hitting_a_deer_raise_my_rates_with_all_insurance_companies\"><\/span>7. Will hitting a deer raise my rates with all insurance companies?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Different insurance companies have varying policies, so it&#8217;s possible that hitting a deer with one provider may not impact your rates, while with another, it could.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Do_deer-related_accidents_happen_frequently\"><\/span>8. Do deer-related accidents happen frequently?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Deer-related accidents are more common than you might think, especially in rural and wooded areas.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_get_coverage_for_hitting_a_deer_if_I_only_have_liability_insurance\"><\/span>9. Can I get coverage for hitting a deer if I only have liability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Liability insurance typically does not cover hitting a deer, as it only covers damage to other vehicles and property in an accident where you are at fault.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Do_I_need_to_contact_animal_control_if_I_hit_a_deer\"><\/span>10. Do I need to contact animal control if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Depending on your location, you may need to notify animal control or the local authorities to remove the deer from the road.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Will_hitting_a_deer_affect_my_driving_record\"><\/span>11. Will hitting a deer affect my driving record?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Since hitting a deer is often not considered an at-fault accident, it may not impact your driving record or result in points on your license.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_What_steps_should_I_take_immediately_after_hitting_a_deer\"><\/span>12. What steps should I take immediately after hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n<b>Answer:<\/b> Pull over safely, check for injuries, move your vehicle out of the road if possible, and contact your insurance company to report the incident and begin the claims process.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hitting a deer while driving can be a scary and dangerous experience. Besides the immediate concerns for your safety and the deer&#8217;s well-being, you may also wonder about the impact on your auto insurance rates. So, does your insurance go up if you hit a deer? Answer: In most cases, hitting a deer is considered &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does your insurance go up if you hit a deer?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-your-insurance-go-up-if-you-hit-a-deer\/#more-135785\">Read more<span class=\"screen-reader-text\">Does your insurance go up if you 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-135785","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>Does your insurance go up if you hit a deer?<\/title>\n<meta name=\"description\" content=\"Hitting a deer while driving can be a scary and dangerous experience. 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