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

Connect with us Oklahoma Insurance Group