Deer collisions peak in fall. Only comprehensive coverage pays for deer accidents.
As the weather cools, deer are on the move — especially at dawn and dusk. Oklahoma ranks among the top states for deer-vehicle collisions, most of which happen between October and December.
1. What Coverage Applies
Only comprehensive coverage pays for damage from hitting a deer.
- It’s not “collision,” even though you hit something.
- Without comprehensive, you’ll pay for repairs out of pocket.
2. What It Covers
Comprehensive covers damage from deer, hail, theft, fire, and vandalism — basically, anything other than a moving collision with another car.
3. Cost vs. Benefit
Comprehensive coverage is usually affordable — often just a few dollars more per month — and can save thousands in repairs.
4. Stay Alert
- Slow down in wooded or rural areas at night.
- If one deer crosses, expect more to follow.
- Never swerve — it’s safer to brake firmly and stay in your lane.
Stay Tuned For Other Great Reads In This Month’s Newsletter
- Fall Storm Prep: Protecting Your Home from Wind and Hail
- Home Inventory: Why Documenting Your Belongings Matters Before a Claim
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