What To Do When Your Car Collides With Wildlife

Animal collisions while driving can be alarming and hazardous. According to the U.S. Federal Highway Administration, wildlife-vehicle collisions (WVCs) result in about 26,000 injuries annually. This number is likely underestimated as many incidents go unreported. National analyses show approximately 1.8 million animal-collision insurance claims yearly, costing over $8 billion and causing around 200 deaths from animal-strike crashes. To safeguard yourself and your vehicle, understanding how to handle these situations is crucial.

Damage to your car is common in these collisions, especially with larger animals like deer. Thus, having the best car insurance is vital for covering repair costs, minus the deductible. Comprehensive insurance, though optional, is invaluable in rural areas with high wildlife populations. Swerving to avoid an animal and hitting another object is typically treated as a collision claim.

With road travel rebounding to record levels since 2023, the likelihood of WVCs has increased. Winter and early spring are peak seasons for wildlife crossings, especially at dusk and dawn.

Even cautious drivers can encounter WVCs. Animals, particularly deer, are unpredictable. Deer account for most traffic accidents in many states. The risk is highest from October to December, with November as the peak month. Fatal crashes often occur on rural roads in low light.

This report explores how to prepare for a WVC and what to do if one occurs.

What To Consider Before Getting Behind The Wheel 

Animal collisions can occur anytime, anywhere. Urban areas report increased deer sightings near parks, and even bears venture into cities. Roads cutting through migration paths or breeding grounds pose additional risks. Winter weather challenges both drivers and wildlife.

What Should I Do If I’ve Collided With A Wild Animal?

In the event of a collision, remain calm and follow these steps:

• Ensure everyone is uninjured.
• Move to safety and activate hazard lights.
• Notify police if a large animal blocks traffic.
• Document the scene with photos.
• Contact your insurance company promptly.
• Check for hidden vehicle damage before driving.

What Should I Do If I’ve Collided With Someone’s Pet?

Hitting a pet can be distressing. Here’s what to do:

• Safely move off the road and turn on flashers.
• Check for tags and contact the owner.
• Report to animal control if the owner is unknown.
• Inspect your car for damage; the owner might be liable.

Will My Car Insurance Cover Damage Caused By Hitting An Animal?

Check if your insurance covers animal collisions. Comprehensive insurance is advisable, especially in wildlife-dense areas. It covers animal-caused damage, unlike liability-only policies.

Comprehensive coverage is part of full-coverage policies and is generally cheaper than collision insurance. Document accidents meticulously to aid claims.

The Bottom Line 

With increased road travel, knowing how to handle animal collisions is essential. These encounters can be dangerous and costly, underscoring the importance of preparation and safe driving practices.